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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB INSTITUTIONAL Service code 28 · EIN 94-3106735 | Investment Management | $8,721 |
NEWPORT GROUP, INC.1+ years Filed as: NEWPORT RETIREMENT SERVICES, INC. Service code 12 · EIN 62-1868111 | Direct payment from the plan; Partici... | $7,770 |
RELIANCE TRUST COMPANY1+ years Service code 12 · EIN 58-1428634 | Distribution (12b-1) fees; Custodial ... | $1,716 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $13,401 | $53,412-74.9% | $68,509-80.4% | $52,331-74.4% |
| Participation rate | 73.3% | 71.7%+1.6pp | 74.7%-1.4pp | 68.1%+5.2pp |
| Annual return | 10.42% | 3.42%+7.0pp | 8.27%+2.1pp | 4.54%+5.9pp |
| Employer contribution / active EE | $247 | $1,607-84.7% | $2,278-89.2% | $1,882-86.9% |
| Participant deferral / active EE | $1,156 | $2,688-57.0% | $3,382-65.8% | $3,022-61.7% |
| Admin fee / account holder | $60 | $461-86.9% | $5,275-98.9% | $592-89.8% |