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| Provider | Service type | Compensation |
|---|---|---|
USI CONSULTING GROUP5 years Service code 12 · EIN 06-1053228 | Distribution (12b-1) fees; Sub-transf... | $2,243 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 21 · EIN 82-3967259 | Bank Trustee | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $64,910 | $65,437-0.8% | $86,698-25.1% | $66,949-3.0% |
| Participation rate | 32.4% | 75.5%-43.1pp | 76.6%-44.2pp | 69.8%-37.4pp |
| Annual return | -14.20% | -10.91%-3.3pp | 35.96%-50.2pp | 1.57%-15.8pp |
| Employer contribution / active EE | $950 | $2,154-55.9% | $2,837-66.5% | $2,545-62.7% |
| Participant deferral / active EE | $2,790 | $4,102-32.0% | $4,656-40.1% | $4,239-34.2% |
| Admin fee / account holder | $21 | $642-96.8% | $7,492-99.7% | $594-96.5% |