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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.2 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $87,896 |
SAGE ADVISORY SERVICES1 year Filed as: SAGE ADVISORY GROUP Service code 28 · EIN 33-0818667 | Investment Management | $37,500 |
Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.3 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $73,986 | $100,272-26.2% | $170,028-56.5% | $74,440-0.6% |
| Participation rate | 57.2% | 87.4%-30.2pp | 87.0%-29.8pp | 70.7%-13.5pp |
| Annual return | 33.02% | 66.12%-33.1pp | 53.39%-20.4pp | 34.37%-1.3pp |
| Employer contribution / active EE | $5,124 | $4,266+20.1% | $6,788-24.5% | $2,638+94.3% |
| Participant deferral / active EE | $10,085 | $7,147+41.1% | $10,409-3.1% | $4,529+122.7% |
| Admin fee / account holder | $119 | $235-49.4% | $12,820-99.1% | $348-65.9% |