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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 42-1558009 | Securities Custodian | $1,346 |
HANCOCK WHITNEY BANK1+ years Filed as: HANCOCK BANK Service code 15 · EIN 64-0169065 | Recordkeeping | $1,055 |
CHARLES SCHWAB & CO., INC.1+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $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.
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 | $14,262 | $45,283-68.5% | $155,789-90.8% | $52,331-72.7% |
| Participation rate | 43.4% | 62.2%-18.8pp | 76.1%-32.7pp | 68.1%-24.7pp |
| Annual return | -1.31% | 1.80%-3.1pp | 71.54%-72.8pp | 4.54%-5.8pp |
| Employer contribution / active EE | $299 | $1,329-77.5% | $3,839-92.2% | $1,882-84.1% |
| Participant deferral / active EE | $783 | $2,854-72.6% | $4,798-83.7% | $3,022-74.1% |
| Admin fee / account holder | $12 | $981-98.8% | $7,477-99.8% | $592-98.0% |