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| Provider | Service type | Compensation |
|---|---|---|
FINANCIAL DECISIONS3 years Service code 13 · EIN 68-0236865 | Contract Administrator | $3,313 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO INC Service code 33 · EIN 94-1737782 | Securities brokerage | $0 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $10,579 | $38,365-72.4% | $84,637-87.5% | $65,186-83.8% |
| Participation rate | 49.7% | 55.7%-5.9pp | 68.2%-18.5pp | 70.2%-20.5pp |
| Annual return | 22.70% | 32.00%-9.3pp | 258.82%-236.1pp | 29.39%-6.7pp |
| Employer contribution / active EE | $837 | $1,258-33.5% | $2,653-68.5% | $2,177-61.6% |
| Participant deferral / active EE | $1,665 | $2,278-26.9% | $3,900-57.3% | $3,514-52.6% |
| Admin fee / account holder | $21 | $451-95.3% | $4,914-99.6% | $847-97.5% |