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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 12401 RESEARCH BLVD · AUSTIN, TX 78759 | Securities Custodian | $0 |
MORAN KNOBEL1+ years Service code 15 · EIN 91-0964302 10900 NE 8TH STREET · BELLEVUE, WA 98004 | Recordkeeping | $0 |
SOVEREIGN INVESTMENT ADVISORS1+ years Filed as: SOVEREIGN WEALTH ADVISORS Service code 27 · EIN 27-1585716 777 108TH AVENUE NE · BELLEVUE, WA 98004 | Advisory (Plan) | $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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $68,862 | $47,969+43.6% | $85,969-19.9% | $52,331+31.6% |
| Participation rate | 18.4% | 61.7%-43.3pp | 76.5%-58.1pp | 68.1%-49.7pp |
| Annual return | -3.03% | -0.13%-2.9pp | 9.32%-12.3pp | 4.54%-7.6pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $3,474-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,638 | $2,110-22.4% | $3,829-57.2% | $3,022-45.8% |
| Admin fee / account holder | $658 | $530+24.1% | $6,053-89.1% | $592+11.2% |