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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 | $2,186 |
HANCOCK WHITNEY BANK1+ years Filed as: WHITNEY BANK Service code 21 · EIN 72-1171087 | Bank Trustee | $2,000 |
CHARLES SCHWAB & CO., INC.1+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return 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 | $13,843 | $63,924-78.3% | $108,582-87.3% | $55,167-74.9% |
| Participation rate | 92.2% | 74.3%+17.9pp | 79.6%+12.6pp | 69.0%+23.2pp |
| Annual return | 5.37% | 15.31%-9.9pp | -51.70%+57.1pp | 169.23%-163.9pp |
| Employer contribution / active EE | $1,630 | $1,879-13.3% | $3,758-56.6% | $1,963-16.9% |
| Participant deferral / active EE | $731 | $3,067-76.2% | $4,311-83.0% | $3,054-76.1% |
| Admin fee / account holder | $8 | $618-98.7% | $7,645-99.9% | $504-98.4% |