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| Provider | Service type | Compensation |
|---|---|---|
AMERITAS LIFE INSURANCE CORP2+ years Service code 12 · EIN 47-0098400 | Recordkeeping fees; Other fees; Direc... | $35,543 |
Filed as: PARK AVENUE SECURITIES, LLC Service code 26 · EIN 13-4023176 | Advisory (Participants) | $29,244 |
Service code 12 · EIN 93-2789379 | Claims processing; Other fees; Direct... | $22,810 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $3,379 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,679 | $129,227-70.1% | $184,256-79.0% | $77,762-50.3% |
| Participation rate | 58.3% | 87.4%-29.1pp | 86.8%-28.6pp | 70.6%-12.3pp |
| Annual return | 74.12% | 33.24%+40.9pp | 28.85%+45.3pp | 31.27%+42.9pp |
| Employer contribution / active EE | $1,787 | $4,412-59.5% | $6,427-72.2% | $2,728-34.5% |
| Participant deferral / active EE | $3,242 | $7,307-55.6% | $9,133-64.5% | $4,651-30.3% |
| Admin fee / account holder | $339 | $256+32.6% | $13,899-97.6% | $433-21.7% |