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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.2 years Filed as: SHAREBUILDER ADVISORS, LLC Service code 27 801 2ND AVE · SEATTLE, WA 98104 | Advisory (Plan) | $25,359 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $30,922 | $82,163-62.4% | $125,363-75.3% | $64,814-52.3% |
| Participation rate | 64.0% | 77.9%-13.9pp | 82.4%-18.4pp | 71.5%-7.5pp |
| Annual return | -10.12% | 3.49%-13.6pp | 572.15%-582.3pp | 32.84%-43.0pp |
| Employer contribution / active EE | $0 | $3,616-100.0% | $4,815-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $9,969 | $7,175+39.0% | $7,447+33.9% | $4,310+131.3% |
| Admin fee / account holder | $129 | $163-20.9% | $10,005-98.7% | $188-31.3% |