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| Provider | Service type | Compensation |
|---|---|---|
GOLDMAN SACHS1 year Filed as: UNITED CAPITAL FINANCIAL ADVISORS Service code 26 · EIN 27-0493248 | Advisory (Participants) | $10,002 |
Filed as: CHARLES SCHWAB & CO, INC. Service code 33 · EIN 94-1737782 | Securities brokerage | $0 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $163,869 | $93,117+76.0% | $77,096+112.6% | $134,532+21.8% |
| Participation rate | 57.1% | 74.5%-17.4pp | 67.9%-10.8pp | 81.2%-24.1pp |
| Annual return | -14.37% | 62.67%-77.0pp | 42.35%-56.7pp | 418.27%-432.6pp |
| Employer contribution / active EE | $3,104 | $3,420-9.2% | $2,814+10.3% | $4,741-34.5% |
| Participant deferral / active EE | $7,068 | $5,241+34.8% | $4,429+59.6% | $6,401+10.4% |
| Admin fee / account holder | $1,311 | $6,948-81.1% | $5,428-75.9% | $11,429-88.5% |