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| Provider | Service type | Compensation |
|---|---|---|
PCA INVESTMENT ADVISORY SERVICES6+ years Service code 26 · EIN 59-3766965 | Advisory (Participants) | $17,867 |
PENSION CORPORATION OF AMERICA6+ years Service code 13 · EIN 31-1360674 | Contract Administrator | $9,289 |
CHARLES SCHWAB & CO., INC.6+ years Service code 59 | Shareholder Servicing | $0 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 52 · EIN 82-3967259 | Indirect Investment Fees | $0 |
CHARLES SCHWAB & CO., INC.6+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 59 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $87,105 | $136,307-36.1% | $177,848-51.0% | $73,497+18.5% |
| Participation rate | 58.0% | 86.1%-28.1pp | 87.7%-29.7pp | 70.7%-12.7pp |
| Annual return | 11.35% | 18.68%-7.3pp | 48.33%-37.0pp | 28.51%-17.2pp |
| Employer contribution / active EE | $1,365 | $3,712-63.2% | $5,919-76.9% | $2,270-39.9% |
| Participant deferral / active EE | $3,811 | $5,829-34.6% | $7,714-50.6% | $3,740+1.9% |
| Admin fee / account holder | $183 | $596-69.2% | $12,431-98.5% | $513-64.2% |