Filed October 23, 2020
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| Provider | Service type | Compensation |
|---|---|---|
USI CONSULTING GROUP2 years Filed as: USI ADVISORS, INC. Service code 26 · EIN 06-1397347 | Advisory (Participants) | $22,776 |
CHARLES SCHWAB & CO., INC.5+ years Filed as: CHARLES SCHWAB & CO., INC Service code 18 | Shareholder servicing fees; Custodial... | $0 |
CHARLES SCHWAB & CO., INC.5+ years Service code 18 · EIN 94-1737782 | Shareholder servicing fees; Custodial... | $0 |
CHARLES SCHWAB & CO., INC.5+ years Filed as: CHARLES SCHWAB BANK Service code 18 · EIN 42-1558009 | Shareholder servicing fees; Float rev... | $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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $64,472 | $124,414-48.2% | $115,167-44.0% | $67,582-4.6% |
| Participation rate | 13.6% | 58.1%-44.5pp | 75.9%-62.3pp | 71.3%-57.7pp |
| Annual return | 19.69% | 29.40%-9.7pp | 35.60%-15.9pp | 378.57%-358.9pp |
| Employer contribution / active EE | $220 | $1,454-84.9% | $3,179-93.1% | $2,148-89.8% |
| Participant deferral / active EE | $609 | $2,331-73.9% | $4,169-85.4% | $3,539-82.8% |
| Admin fee / account holder | $304 | $361-16.0% | $7,089-95.7% | $142+113.4% |