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| Provider | Service type | Compensation |
|---|---|---|
USI CONSULTING GROUP1 year Service code 15 · EIN 06-1053228 | Recordkeeping | $39,656 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK/TRUST COMPANY Service code 18 | Custodial (other than securities); Sh... | $3,445 |
CHARLES SCHWAB & CO., INC.2 years Service code 18 · EIN 94-1737782 | Custodial (securities); Custodial (ot... | $0 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO.,INC. Service code 18 | Shareholder servicing fees; Custodial... | $0 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK/TRUST COMPANY- Service code 18 · EIN 42-1558009 | Float revenue; Shareholder servicing ... | $0 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $93,849 | $50,947+84.2% | $74,551+25.9% | $64,173+46.2% |
| Participation rate | 86.2% | 61.1%+25.1pp | 69.1%+17.0pp | 69.6%+16.6pp |
| Annual return | -3.92% | -1.85%-2.1pp | 32.53%-36.5pp | 7.63%-11.6pp |
| Employer contribution / active EE | $1,805 | $1,115+61.8% | $1,961-7.9% | $2,381-24.2% |
| Participant deferral / active EE | $5,829 | $2,302+153.3% | $3,108+87.5% | $3,470+68.0% |
| Admin fee / account holder | $371 | $4,221-91.2% | $5,059-92.7% | $4,887-92.4% |