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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.10+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $115,375 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INC Service code 28 · EIN 36-3297908 | Investment Management | $5,888 |
CHARLES SCHWAB & CO., INC.10+ years Service code 33 · EIN 94-1737782 | Securities brokerage; Direct payment ... | $510 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO.INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $133,779 | $58,644+128.1% | $178,540-25.1% | $199,960-33.1% |
| Participation rate | 63.1% | 65.5%-2.3pp | 77.1%-14.0pp | 72.0%-8.9pp |
| Annual return | 10.50% | 19.25%-8.7pp | 27.15%-16.6pp | 34.28%-23.8pp |
| Employer contribution / active EE | $2,601 | $1,801+44.4% | $3,953-34.2% | $3,036-14.3% |
| Participant deferral / active EE | $5,543 | $4,248+30.5% | $6,281-11.7% | $5,087+9.0% |
| Admin fee / account holder | $93 | $145-35.8% | $10,424-99.1% | $269-65.3% |