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| Provider | Service type | Compensation |
|---|---|---|
TRI-AD ACTUARIES, INC.5 years Service code 13 · EIN 95-2887986 | Contract Administrator | $23,283 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 42-1558009 | Securities Custodian | $1,716 |
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 | $57,280 | $91,439-37.4% | $135,974-57.9% | $71,511-19.9% |
| Participation rate | 36.4% | 75.7%-39.3pp | 81.9%-45.6pp | 67.9%-31.6pp |
| Annual return | 20.16% | 29.90%-9.7pp | 68.30%-48.1pp | 28.86%-8.7pp |
| Employer contribution / active EE | $814 | $3,705-78.0% | $4,859-83.2% | $2,589-68.6% |
| Participant deferral / active EE | $5,845 | $7,093-17.6% | $7,760-24.7% | $4,291+36.2% |
| Admin fee / account holder | $219 | $1,267-82.7% | $10,767-98.0% | $1,588-86.2% |