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| Provider | Service type | Compensation |
|---|---|---|
AMERITAS LIFE INSURANCE CORP2+ years Service code 12 · EIN 47-0098400 | Participant communication; Consulting... | $35,543 |
Filed as: PARK AVENUE SECURITIES, LLC Service code 26 · EIN 13-4023176 | Advisory (Participants) | $29,244 |
Service code 12 · EIN 93-2789379 | Direct payment from the plan; Recordk... | $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 | $129,095-70.0% | $184,185-79.0% | $77,692-50.2% |
| Participation rate | 58.3% | 87.3%-29.1pp | 86.8%-28.6pp | 70.6%-12.3pp |
| Annual return | 74.12% | 33.29%+40.8pp | 28.81%+45.3pp | 31.25%+42.9pp |
| Employer contribution / active EE | $1,787 | $4,410-59.5% | $6,426-72.2% | $2,726-34.4% |
| Participant deferral / active EE | $3,242 | $7,300-55.6% | $9,132-64.5% | $4,648-30.3% |
| Admin fee / account holder | $339 | $256+32.6% | $13,909-97.6% | $431-21.3% |