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| Provider | Service type | Compensation |
|---|---|---|
UNION BANK & TRUST COMPANY6 years Service code 12 · EIN 47-0321480 | Trustee (bank, trust company, or simi... | $97,992 |
CHARLES SCHWAB & CO., INC.6 years Filed as: CHARLES SCHWAB Service code 28 · EIN 94-1737782 | Investment Management | $33,587 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,950 | $96,999-78.4% | $123,973-83.1% | $83,436-74.9% |
| Participation rate | 28.1% | 84.4%-56.3pp | 76.7%-48.5pp | 73.2%-45.1pp |
| Annual return | 12.86% | 8.97%+3.9pp | 388.13%-375.3pp | 19.34%-6.5pp |
| Employer contribution / active EE | $100 | $5,808-98.3% | $4,126-97.6% | $4,072-97.6% |
| Participant deferral / active EE | $529 | $1,439-63.2% | $5,247-89.9% | $3,411-84.5% |
| Admin fee / account holder | $228 | $227+0.4% | $11,799-98.1% | $265-14.0% |