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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERITAS Service code 12 · EIN 47-0098400 | Recordkeeping fees; Other fees; Recor... | $130,247 |
Service code 26 · EIN 26-1709559 | Advisory (Participants) | $34,991 |
Service code 27 · EIN 20-1409613 | Advisory (Plan) | $6,025 |
Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $2,695 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 | Securities Custodian | $0 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $11,622 | $37,418-68.9% | $77,100-84.9% | $77,906-85.1% |
| Participation rate | 39.5% | 46.9%-7.4pp | 67.9%-28.4pp | 73.7%-34.2pp |
| Annual return | -12.17% | -7.13%-5.0pp | 42.35%-54.5pp | 12.16%-24.3pp |
| Employer contribution / active EE | $13 | $1,200-98.9% | $2,815-99.5% | $2,846-99.5% |
| Participant deferral / active EE | $1,452 | $2,572-43.5% | $4,430-67.2% | $4,805-69.8% |
| Admin fee / account holder | $166 | $126+31.4% | $5,443-97.0% | $133+24.9% |