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| Provider | Service type | Compensation |
|---|---|---|
FINANCIAL DECISIONS1 year Service code 13 · EIN 68-0236865 | Contract Administrator | $1,649 |
Filed as: CHARLES SCHWAB & CO, INC Service code 33 · EIN 94-1737782 | Securities brokerage | $0 |
Filed as: CHARLES SCHWAB TRUST CO Service code 19 · EIN 42-1558009 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,077 | $31,424-80.7% | $81,473-92.5% | $69,631-91.3% |
| Participation rate | 58.5% | 50.8%+7.7pp | 68.0%-9.4pp | 70.7%-12.2pp |
| Annual return | 23.84% | 22.44%+1.4pp | 38.78%-14.9pp | 27571.02%-27547.2pp |
| Employer contribution / active EE | $589 | $1,029-42.7% | $2,568-77.0% | $2,032-71.0% |
| Participant deferral / active EE | $902 | $1,838-50.9% | $3,537-74.5% | $3,224-72.0% |
| Admin fee / account holder | $10 | $103-90.3% | $4,561-99.8% | $110-91.0% |