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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 47-0098400 | Participant loan processing; Foreign ... | $98,110 |
INVST3 years Service code 26 · EIN 81-1661697 | Advisory (Participants) | $64,136 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $3,858 |
CHARLES SCHWAB & CO., INC.4 years Service code 19 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,021 | $40,435-15.9% | $80,627-57.8% | $74,460-54.3% |
| Participation rate | 66.1% | 47.4%+18.7pp | 67.0%-0.9pp | 70.7%-4.6pp |
| Annual return | 18.84% | 165.19%-146.4pp | 936.76%-917.9pp | 34.38%-15.5pp |
| Employer contribution / active EE | $2,523 | $1,498+68.5% | $2,723-7.3% | $2,638-4.4% |
| Participant deferral / active EE | $5,363 | $2,673+100.7% | $4,443+20.7% | $4,530+18.4% |
| Admin fee / account holder | $287 | $721-60.2% | $5,381-94.7% | $348-17.5% |