Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
Filed as: SENTINEL BENEFITS GROUP, INC. Service code 15 · EIN 04-3015875 | Recordkeeping | $7,769 |
Service code 26 · EIN 04-3422848 | Advisory (Participants) | $5,319 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $1,293 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $73,358 | $35,986+103.8% | $77,513-5.4% | $73,493-0.2% |
| Participation rate | 18.9% | 40.8%-21.9pp | 54.2%-35.3pp | 70.7%-51.8pp |
| Annual return | 11.34% | 19.26%-7.9pp | 54.81%-43.5pp | 28.51%-17.2pp |
| Employer contribution / active EE | $95 | $557-83.0% | $987-90.4% | $2,270-95.8% |
| Participant deferral / active EE | $752 | $1,198-37.2% | $1,861-59.6% | $3,740-79.9% |
| Admin fee / account holder | $423 | $466-9.2% | $2,859-85.2% | $513-17.6% |