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| Provider | Service type | Compensation |
|---|---|---|
CERITY PARTNERS5+ years Filed as: CERITY PARTNERS LLC Service code 50 · EIN 27-1180831 | Direct Payment | $36,296 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $19,568 |
CHARLES SCHWAB & CO., INC.5+ years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $7,225 |
CHARLES SCHWAB & CO., INC.5+ years Service code 19 · EIN 94-1737782 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,800 | $41,040-68.8% | $85,187-85.0% | $99,314-87.1% |
| Participation rate | 4.2% | 34.4%-30.2pp | 67.5%-63.3pp | 71.7%-67.5pp |
| Annual return | 10.46% | 17.44%-7.0pp | 66.67%-56.2pp | 17.67%-7.2pp |
| Employer contribution / active EE | $40 | $1,106-96.3% | $2,732-98.5% | $3,264-98.8% |
| Participant deferral / active EE | $108 | $2,193-95.1% | $4,525-97.6% | $5,346-98.0% |
| Admin fee / account holder | $75 | $177-57.4% | $6,162-98.8% | $109-30.9% |