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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 | $3,194 |
CHARLES SCHWAB & CO., INC.1+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
HANCOCK WHITNEY BANK1+ years Filed as: WHITNEY BANK Service code 21 · EIN 72-1171087 | Bank Trustee | $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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $17,042 | $33,745-49.5% | $64,105-73.4% | $55,191-69.1% |
| Participation rate | 36.8% | 59.4%-22.5pp | 68.2%-31.3pp | 69.2%-32.3pp |
| Annual return | 1.11% | 4.95%-3.8pp | 791.24%-790.1pp | 10.78%-9.7pp |
| Employer contribution / active EE | $229 | $641-64.3% | $1,820-87.4% | $1,899-87.9% |
| Participant deferral / active EE | $678 | $1,929-64.8% | $2,822-76.0% | $3,046-77.7% |
| Admin fee / account holder | $0 | $94-100.0% | $4,499-100.0% | $91-100.0% |