| Provider | Service type | Compensation |
|---|---|---|
Filed as: FINANCIAL ENGINE Service code 26 1804 EMBARCADERO ROAD · PALO ALTO, CA 94303 | Advisory (Participants) | $1,334,344 |
Service code 12 · EIN 13-3689044 | Participant communication; Distributi... | $894,508 |
CHARLES SCHWAB & CO., INC.2 years Service code 33 · EIN 94-1737782 | Securities brokerage; Securities brok... | $5,615 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO, INC. Service code 33 | Securities brokerage; Securities brok... | $0 |
NATIONAL FINANCIAL SERVICES5 years Service code 33 · EIN 04-3523567 | Securities brokerage commissions and ... | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $255,236 | $114,842+122.2% | $159,495+60.0% | $101,555+151.3% |
| Participation rate | 97.8% | 71.6%+26.1pp | 82.8%+15.0pp | 74.5%+23.2pp |
| Annual return | 12.10% | 22.90%-10.8pp | 263.72%-251.6pp | 21.00%-8.9pp |
| Employer contribution / active EE | $6,321 | $3,203+97.3% | $4,831+30.8% | $2,972+112.7% |
| Participant deferral / active EE | $10,537 | $6,336+66.3% | $7,354+43.3% | $4,874+116.2% |
| Admin fee / account holder | $167 | $80+108.3% | $10,804-98.5% | $139+20.0% |