Filed March 14, 2022
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| Provider | Service type | Compensation |
|---|---|---|
Service code 28 · EIN 94-2832299 | Investment Management | $440,991 |
Service code 26 · EIN 27-4826969 | Advisory (Participants) | $5,636 |
CHARLES SCHWAB & CO., INC.2 years Service code 33 · EIN 94-1737782 | Shareholder servicing fees; Direct pa... | $2,001 |
CHARLES SCHWAB & CO., INC.4+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $1 |
CHARLES SCHWAB & CO., INC.4+ years Filed as: CHARLES SCHWAB & CO INC & AFFILIATE Service code 59 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $520,113 | $79,523+554.0% | $140,019+271.5% | $56,289+824.0% |
| Participation rate | 83.9% | 85.7%-1.8pp | 87.5%-3.6pp | 69.9%+14.1pp |
| Annual return | -3.78% | 2.39%-6.2pp | 651.19%-655.0pp | -9.96%+6.2pp |
| Employer contribution / active EE | $20,794 | $3,350+520.7% | $5,605+271.0% | $2,111+885.0% |
| Participant deferral / active EE | $11,229 | $5,129+118.9% | $6,927+62.1% | $3,350+235.2% |
| Admin fee / account holder | $1,960 | $614+219.1% | $10,705-81.7% | $521+276.3% |