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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.6 years Service code 33 · EIN 94-1737782 | Securities brokerage; Direct payment ... | $48 |
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.
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 | $133,187 | $82,188+62.1% | $125,401+6.2% | $64,829+105.4% |
| Participation rate | 53.8% | 77.9%-24.1pp | 82.4%-28.6pp | 71.5%-17.7pp |
| Annual return | -14.46% | 3.50%-18.0pp | 572.53%-587.0pp | 32.85%-47.3pp |
| Employer contribution / active EE | $22 | $3,617-99.4% | $4,816-99.5% | $2,507-99.1% |
| Participant deferral / active EE | $8,358 | $7,177+16.5% | $7,448+12.2% | $4,312+93.8% |
| Admin fee / account holder | $11 | $163-93.0% | $10,008-99.9% | $188-93.9% |