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| Provider | Service type | Compensation |
|---|---|---|
TRI-AD ACTUARIES, INC.6 years Service code 13 · EIN 95-2887986 | Contract Administrator | $21,486 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 42-1558009 | Securities Custodian | $1,986 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $74,575 | $101,672-26.7% | $147,117-49.3% | $74,478+0.1% |
| Participation rate | 34.4% | 75.5%-41.1pp | 82.2%-47.8pp | 67.2%-32.8pp |
| Annual return | 19.13% | 8757.83%-8738.7pp | 420.54%-401.4pp | 1370.56%-1351.4pp |
| Employer contribution / active EE | $822 | $3,813-78.4% | $4,932-83.3% | $2,626-68.7% |
| Participant deferral / active EE | $5,350 | $7,305-26.8% | $8,065-33.7% | $4,350+23.0% |
| Admin fee / account holder | $210 | $1,753-88.0% | $12,993-98.4% | $1,946-89.2% |