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| Provider | Service type | Compensation |
|---|---|---|
TRI-AD ACTUARIES, INC.3+ years Filed as: TRI-AD ACTUARIES Service code 13 · EIN 95-2887986 | Contract Administrator | $11,047 |
CHARLES SCHWAB & CO., INC.3+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $95,441 | $52,639+81.3% | $185,117-48.4% | $62,293+53.2% |
| Participation rate | 24.3% | 63.9%-39.6pp | 77.3%-53.0pp | 69.5%-45.2pp |
| Annual return | 21.10% | 19.57%+1.5pp | 40.50%-19.4pp | 28.90%-7.8pp |
| Employer contribution / active EE | $0 | $1,483-100.0% | $4,182-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,342 | $3,097-56.7% | $5,045-73.4% | $3,169-57.6% |
| Admin fee / account holder | $409 | $374+9.5% | $8,159-95.0% | $479-14.6% |