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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB Service code 33 · EIN 94-1737782 | Securities brokerage; Securities brok... | $8,976 |
REGIONS BANK3+ years Filed as: REGIONS INSTITUTIONAL TRUST Service code 25 · EIN 63-0589368 | Directed Trustee | $6,874 |
Filed as: MASSMUTUAL RETIREMENT SERVICES, LLC Service code 15 · EIN 26-1589907 | Recordkeeping | $639 |
RELIANCE TRUST COMPANY3+ years Service code 19 · EIN 58-1428634 | Securities Custodian | $132 |
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.
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 | $62,135 | $64,909-4.3% | $82,312-24.5% | $62,293-0.3% |
| Participation rate | 51.6% | 74.9%-23.3pp | 76.9%-25.3pp | 69.5%-18.0pp |
| Annual return | 18.17% | 21.18%-3.0pp | 25.88%-7.7pp | 28.90%-10.7pp |
| Employer contribution / active EE | $256 | $1,676-84.7% | $2,428-89.5% | $2,042-87.5% |
| Participant deferral / active EE | $1,382 | $3,103-55.5% | $3,706-62.7% | $3,169-56.4% |
| Admin fee / account holder | $8 | $440-98.3% | $5,608-99.9% | $479-98.4% |