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| Provider | Service type | Compensation |
|---|---|---|
THE FIDUCIARY GROUP1+ years Service code 26 · EIN 47-3210786 | Advisory (Participants) | $11,654 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB Service code 19 · EIN 42-1558009 | Securities Custodian | $5,883 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 | $21,413 | $39,245-45.4% | $64,105-66.6% | $52,331-59.1% |
| Participation rate | 34.4% | 58.2%-23.8pp | 68.2%-33.8pp | 68.1%-33.7pp |
| Annual return | -2.43% | 14.79%-17.2pp | 791.24%-793.7pp | 4.54%-7.0pp |
| Employer contribution / active EE | $631 | $736-14.3% | $1,820-65.3% | $1,882-66.5% |
| Participant deferral / active EE | $1,157 | $1,992-41.9% | $2,822-59.0% | $3,022-61.7% |
| Admin fee / account holder | $207 | $592-65.1% | $4,499-95.4% | $592-65.0% |