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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 27-4418309 | Advisory (Participants) | $19,560 |
AMERITAS LIFE INSURANCE CORP2 years Service code 12 · EIN 47-0098400 | Recordkeeping fees; Other fees; Parti... | $14,221 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $674 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,922 | $79,209-52.1% | $102,434-63.0% | $74,459-49.1% |
| Participation rate | 44.7% | 74.8%-30.1pp | 76.5%-31.8pp | 67.2%-22.6pp |
| Annual return | 10.91% | 54.98%-44.1pp | 29.46%-18.5pp | 1369.70%-1358.8pp |
| Employer contribution / active EE | $1,015 | $2,362-57.0% | $3,023-66.4% | $2,626-61.3% |
| Participant deferral / active EE | $1,569 | $4,417-64.5% | $5,055-69.0% | $4,350-63.9% |
| Admin fee / account holder | $302 | $2,002-84.9% | $9,462-96.8% | $1,945-84.5% |