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| Provider | Service type | Compensation |
|---|---|---|
Service code 23 · EIN 20-8060365 | Investment advisory (plan); Insurance... | $9,652 |
Filed as: CHARLES SCHWAB & CO Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $0 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,938 | $81,870-67.1% | $119,622-77.5% | $68,486-60.7% |
| Participation rate | 62.1% | 71.9%-9.8pp | 79.3%-17.2pp | 67.9%-5.8pp |
| Annual return | 9.68% | -23.82%+33.5pp | -14.98%+24.7pp | -7.85%+17.5pp |
| Employer contribution / active EE | $1,247 | $2,692-53.7% | $4,232-70.5% | $2,597-52.0% |
| Participant deferral / active EE | $2,011 | $4,148-51.5% | $5,601-64.1% | $4,028-50.1% |
| Admin fee / account holder | $2,067 | $6,583-68.6% | $10,328-80.0% | $5,404-61.8% |