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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 36-4389114 | Recordkeeping | $7,216 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 18 · EIN 82-3967259 | Custodial (other than securities); Sh... | $2,016 |
CHARLES SCHWAB & CO., INC.4 years Service code 19 · EIN 94-1737782 | Securities Custodian | $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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,892 | $46,332-87.3% | $143,799-95.9% | $64,819-90.9% |
| Participation rate | 46.5% | 64.2%-17.8pp | 80.3%-33.8pp | 71.5%-25.0pp |
| Annual return | -8.91% | -10.05%+1.1pp | -0.04%-8.9pp | 32.84%-41.8pp |
| Employer contribution / active EE | $1 | $1,911-100.0% | $4,952-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $1,170 | $2,647-55.8% | $5,638-79.3% | $4,311-72.9% |
| Admin fee / account holder | $30 | $154-80.7% | $14,677-99.8% | $188-84.2% |