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| Provider | Service type | Compensation |
|---|---|---|
CHERNOFF DIAMOND & CO., LLC3+ years Service code 11 · EIN 11-2836994 | Actuarial | $18,752 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $6,506 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,561 | $59,535-10.0% | $90,161-40.6% | $62,293-14.0% |
| Participation rate | 56.6% | 73.0%-16.4pp | 76.9%-20.3pp | 69.5%-12.9pp |
| Annual return | 13.27% | 23.53%-10.3pp | 34.89%-21.6pp | 28.90%-15.6pp |
| Employer contribution / active EE | $240 | $1,826-86.9% | $3,318-92.8% | $2,042-88.3% |
| Participant deferral / active EE | $3,966 | $4,639-14.5% | $5,287-25.0% | $3,169+25.1% |
| Admin fee / account holder | $41 | $337-87.9% | $5,943-99.3% | $479-91.5% |