Filed October 23, 2020
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| Provider | Service type | Compensation |
|---|---|---|
USI CONSULTING GROUP1 year Filed as: USI ADVISORS Service code 26 · EIN 06-1397347 | Advisory (Participants) | $24,834 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST BANK Service code 18 · EIN 82-3967259 | Custodial (other than securities); Sh... | $3,628 |
CHARLES SCHWAB & CO., INC.10+ years Filed as: CHARLES SCHWAB & CO., INC Service code 18 | Shareholder servicing fees; Custodial... | $0 |
CHARLES SCHWAB & CO., INC.10+ years Service code 18 · EIN 94-1737782 | Shareholder servicing fees; Custodial... | $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.
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.)
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 | $73,325 | $73,149+0.2% | $120,580-39.2% | $77,762-5.7% |
| Participation rate | 16.3% | 55.2%-38.9pp | 72.0%-55.7pp | 70.6%-54.3pp |
| Annual return | 14.46% | 18.24%-3.8pp | 107.48%-93.0pp | 31.27%-16.8pp |
| Employer contribution / active EE | $301 | $1,793-83.2% | $3,469-91.3% | $2,728-89.0% |
| Participant deferral / active EE | $775 | $3,006-74.2% | $4,995-84.5% | $4,651-83.3% |
| Admin fee / account holder | $407 | $660-38.3% | $9,418-95.7% | $433-6.0% |