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| Provider | Service type | Compensation |
|---|---|---|
WELLINGTON TRUST COMPANY3+ years Filed as: WELLINGTON FINANCIAL GROUP Service code 26 · EIN 54-1620949 14325 WILLARD ROAD · CHANTILLY, VA 20151 | Advisory (Participants) | $18,604 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB AND COMPANY Service code 33 · EIN 94-1737782 | Securities brokerage | $159 |
CHARLES SCHWAB & CO., INC.3+ 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,031 | $58,726-65.9% | $92,240-78.3% | $62,293-67.8% |
| Participation rate | 40.9% | 68.3%-27.4pp | 76.5%-35.5pp | 69.5%-28.6pp |
| Annual return | 18.87% | 43.62%-24.7pp | 176.29%-157.4pp | 28.90%-10.0pp |
| Employer contribution / active EE | $838 | $2,392-64.9% | $3,680-77.2% | $2,042-58.9% |
| Participant deferral / active EE | $2,119 | $2,766-23.4% | $3,897-45.6% | $3,169-33.1% |
| Admin fee / account holder | $168 | $556-69.9% | $5,194-96.8% | $479-65.0% |