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| Provider | Service type | Compensation |
|---|---|---|
PARALLEL ADVISORS LLC2+ years Service code 26 · EIN 20-4420591 | Advisory (Participants) | $35,099 |
CHARLES SCHWAB & CO., INC.2+ years Service code 33 · EIN 94-1737782 | Shareholder servicing fees; Other inv... | $6,162 |
SUNTRUST BANKS, INC.2+ years Filed as: SUNTRUST BANK Service code 26 · EIN 58-0466330 | Advisory (Participants) | $5,143 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB & CO.,INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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 | $224,675 | $77,638+189.4% | $156,551+43.5% | $62,881+257.3% |
| Participation rate | 96.9% | 71.2%+25.7pp | 84.0%+12.9pp | 69.3%+27.6pp |
| Annual return | 4.45% | 50.33%-45.9pp | 32.23%-27.8pp | 20.14%-15.7pp |
| Employer contribution / active EE | $7,652 | $3,444+122.2% | $5,501+39.1% | $2,281+235.5% |
| Participant deferral / active EE | $6,409 | $3,046+110.5% | $4,871+31.6% | $3,203+100.1% |
| Admin fee / account holder | $390 | $5,561-93.0% | $13,028-97.0% | $4,296-90.9% |