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| Provider | Service type | Compensation |
|---|---|---|
WELLINGTON TRUST COMPANY1+ years Filed as: WELLINGTON FINANCIAL GROUP Service code 26 · EIN 54-1561125 14325 WILLARD ROAD · CHANTILLY, VA 20151 | Advisory (Participants) | $4,426 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB AND COMPANY Service code 33 · EIN 94-1737782 | Securities brokerage | $588 |
CHARLES SCHWAB & CO., INC.1+ years Service code 59 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,478 | $50,464-83.2% | $75,784-88.8% | $52,331-83.8% |
| Participation rate | 45.7% | 66.8%-21.1pp | 75.8%-30.1pp | 68.1%-22.4pp |
| Annual return | 6.05% | 1.03%+5.0pp | 9.68%-3.6pp | 4.54%+1.5pp |
| Employer contribution / active EE | $818 | $1,988-58.9% | $3,323-75.4% | $1,882-56.6% |
| Participant deferral / active EE | $1,810 | $2,570-29.6% | $3,652-50.4% | $3,022-40.1% |
| Admin fee / account holder | $56 | $1,103-95.0% | $5,300-99.0% | $592-90.6% |