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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FINDEC BENEFIT SERVICES Service code 13 · EIN 85-3986400 | Contract Administrator | $2,786 |
CHARLES SCHWAB & CO., INC.5 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 TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,386 | $37,463-58.9% | $77,100-80.0% | $66,949-77.0% |
| Participation rate | 55.7% | 52.9%+2.8pp | 67.9%-12.2pp | 69.8%-14.1pp |
| Annual return | -16.43% | -3.25%-13.2pp | 42.35%-58.8pp | 1.57%-18.0pp |
| Employer contribution / active EE | $1,198 | $1,535-22.0% | $2,815-57.5% | $2,545-52.9% |
| Participant deferral / active EE | $2,053 | $2,621-21.7% | $4,430-53.7% | $4,239-51.6% |
| Admin fee / account holder | $13 | $568-97.6% | $5,443-99.8% | $594-97.7% |