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| Provider | Service type | Compensation |
|---|---|---|
WELLINGTON TRUST COMPANY4+ years Filed as: WELLINGTON FINANCIAL GROUP Service code 26 · EIN 54-1620949 14325 WILLARD ROAD · CHANTILLY, VA 20151 | Advisory (Participants) | $21,572 |
CHARLES SCHWAB & CO., INC.4+ years Filed as: CHARLES SCHWAB AND COMPANY Service code 33 · EIN 94-1737782 | Securities brokerage | $114 |
CHARLES SCHWAB & CO., INC.4+ 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 | $19,308 | $56,443-65.8% | $83,831-77.0% | $55,725-65.4% |
| Participation rate | 33.9% | 72.0%-38.1pp | 76.1%-42.2pp | 70.9%-36.9pp |
| Annual return | 0.91% | 393.67%-392.8pp | 850.99%-850.1pp | 244.93%-244.0pp |
| Employer contribution / active EE | $878 | $2,682-67.3% | $3,631-75.8% | $2,078-57.8% |
| Participant deferral / active EE | $2,344 | $2,965-20.9% | $4,082-42.6% | $3,356-30.2% |
| Admin fee / account holder | $159 | $156+1.5% | $5,479-97.1% | $115+37.7% |