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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.2+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $55,120 |
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 & CO., INC Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $9,935 | $40,113-75.2% | $84,021-88.2% | $77,775-87.2% |
| Participation rate | 29.1% | 62.8%-33.7pp | 69.0%-39.9pp | 73.2%-44.1pp |
| Annual return | 81.22% | 23.27%+58.0pp | 71.32%+9.9pp | 32.58%+48.6pp |
| Employer contribution / active EE | $743 | $847-12.3% | $1,984-62.5% | $2,504-70.3% |
| Participant deferral / active EE | $1,221 | $2,030-39.9% | $3,239-62.3% | $3,966-69.2% |
| Admin fee / account holder | $95 | $92+3.2% | $6,102-98.5% | $100-5.6% |