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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.2 years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $135,357 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $62 |
Filed as: CHARLES SCHWAB & CO. AND AFFILIATES Service code 59 | Shareholder Servicing | $0 |
Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $35,197 | $88,730-60.3% | $82,313-57.2% | $77,958-54.9% |
| Participation rate | 58.9% | 84.5%-25.6pp | 76.9%-18.0pp | 71.6%-12.7pp |
| Annual return | 19.53% | 20.88%-1.4pp | 25.88%-6.3pp | 20.87%-1.3pp |
| Employer contribution / active EE | $1,456 | $2,758-47.2% | $2,428-40.1% | $2,310-37.0% |
| Participant deferral / active EE | $1,133 | $4,634-75.5% | $3,706-69.4% | $3,537-68.0% |
| Admin fee / account holder | $70 | $74-5.8% | $5,608-98.8% | $97-28.4% |