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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.3 years Filed as: SHAREBUILDER Service code 27 83 SOUTH KING STREET · SEATTLE, WA 98104 | Advisory (Plan) | $29,749 |
PAI3 years Service code 13 1300 ENTERPRISE DRIVE · DE PERE, WI 54115 | Contract Administrator | $11,025 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $11,839 | $38,058-68.9% | $169,452-93.0% | $75,289-84.3% |
| Participation rate | 30.3% | 65.1%-34.8pp | 77.8%-47.4pp | 72.4%-42.1pp |
| Annual return | 0.16% | -2.88%+3.0pp | 1.83%-1.7pp | -0.04%+0.2pp |
| Employer contribution / active EE | $958 | $1,478-35.2% | $4,157-76.9% | $2,405-60.2% |
| Participant deferral / active EE | $1,295 | $3,201-59.5% | $5,277-75.5% | $3,739-65.4% |
| Admin fee / account holder | $38 | $85-55.5% | $9,110-99.6% | $102-62.9% |