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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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,575 | $101,317-26.4% | $146,958-49.3% | $74,495+0.1% |
| Participation rate | 34.4% | 75.5%-41.1pp | 82.2%-47.7pp | 67.2%-32.8pp |
| Annual return | 19.13% | 8730.91%-8711.8pp | 418.34%-399.2pp | 1364.94%-1345.8pp |
| Employer contribution / active EE | $822 | $3,810-78.4% | $4,933-83.3% | $2,623-68.7% |
| Participant deferral / active EE | $5,350 | $7,303-26.7% | $8,070-33.7% | $4,346+23.1% |
| Admin fee / account holder | $210 | $1,739-87.9% | $12,998-98.4% | $1,942-89.2% |