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| Provider | Service type | Compensation |
|---|---|---|
USI CONSULTING GROUP8+ years Service code 12 · EIN 06-1053228 | Claims processing; Consulting (pensio... | $560 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST BANK Service code 21 · EIN 82-3967259 | Bank Trustee | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,464 | $65,437-81.0% | $86,698-85.6% | $66,949-81.4% |
| Participation rate | 48.5% | 75.5%-27.0pp | 76.6%-28.1pp | 69.8%-21.4pp |
| Annual return | -16.08% | -10.91%-5.2pp | 35.96%-52.0pp | 1.57%-17.6pp |
| Employer contribution / active EE | $318 | $2,154-85.2% | $2,837-88.8% | $2,545-87.5% |
| Participant deferral / active EE | $489 | $4,102-88.1% | $4,656-89.5% | $4,239-88.5% |
| Admin fee / account holder | $5 | $642-99.2% | $7,492-99.9% | $594-99.1% |