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| Provider | Service type | Compensation |
|---|---|---|
USI CONSULTING GROUP6+ years Service code 12 · EIN 06-1053228 | Redemption fees; Account maintenance ... | $4,952 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 21 · EIN 82-3967259 | Bank Trustee | $0 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,404 | $59,839-97.7% | $81,991-98.3% | $79,852-98.2% |
| Participation rate | 55.9% | 61.6%-5.7pp | 69.3%-13.4pp | 69.6%-13.8pp |
| Annual return | 11.11% | 17.56%-6.5pp | 41.31%-30.2pp | 31.72%-20.6pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $654 | $2,695-75.7% | $3,722-82.4% | $3,740-82.5% |
| Admin fee / account holder | $8 | $4,287-99.8% | $5,665-99.9% | $5,306-99.8% |