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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WELLINGTON CONSULTING SERVICES Service code 26 · EIN 54-1620949 14325 WILLARD ROAD · CHANTILLY, VA 20151 | Advisory (Participants) | $5,436 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB TRUST Service code 33 · EIN 42-1558009 211 MAIN STREET · SAN FRANCISCO, CA 94105 | Securities brokerage | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,624 | $47,648-86.1% | $130,660-94.9% | $67,579-90.2% |
| Participation rate | 23.4% | 60.4%-37.0pp | 71.7%-48.3pp | 71.3%-47.9pp |
| Annual return | 25.90% | 25.73%+0.2pp | 1709.29%-1683.4pp | 378.56%-352.7pp |
| Employer contribution / active EE | $0 | $1,408-100.0% | $4,092-100.0% | $2,148-100.0% |
| Participant deferral / active EE | $1,081 | $2,616-58.7% | $3,603-70.0% | $3,539-69.5% |
| Admin fee / account holder | $62 | $105-40.5% | $5,463-98.9% | $142-56.1% |