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| Provider | Service type | Compensation |
|---|---|---|
BOKF, NA2 years Filed as: BOK FINANCIAL ASSET MANAGEMENT, INC Service code 15 · EIN 74-2009441 | Recordkeeping | $30,498 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $2,481 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | 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.)
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $78,786 | $59,328+32.8% | $118,914-33.7% | $73,497+7.2% |
| Participation rate | 65.5% | 62.3%+3.2pp | 75.4%-10.0pp | 70.7%-5.2pp |
| Annual return | 9.52% | 19.13%-9.6pp | 35.89%-26.4pp | 28.51%-19.0pp |
| Employer contribution / active EE | $2,488 | $1,803+38.0% | $3,264-23.8% | $2,270+9.6% |
| Participant deferral / active EE | $4,078 | $2,604+56.6% | $4,266-4.4% | $3,740+9.0% |
| Admin fee / account holder | $402 | $600-33.0% | $6,582-93.9% | $513-21.6% |