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| Provider | Service type | Compensation |
|---|---|---|
Service code 19 333 LORTON AVENUE · BURLINGAME, CA 94010 | Securities Custodian | $20,191 |
Filed as: CHARLES SCHWAB & CO. INC. Service code 19 | Securities Custodian | $0 |
Service code 19 · EIN 94-1737782 | Securities Custodian | $0 |
Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $89,578 | $52,884+69.4% | $84,753+5.7% | $55,167+62.4% |
| Participation rate | 43.6% | 67.5%-24.0pp | 76.6%-33.0pp | 69.0%-25.4pp |
| Annual return | 8.74% | 18.03%-9.3pp | 22.78%-14.0pp | 169.23%-160.5pp |
| Employer contribution / active EE | $399 | $2,233-82.1% | $3,574-88.8% | $1,963-79.7% |
| Participant deferral / active EE | $4,814 | $2,644+82.1% | $3,712+29.7% | $3,054+57.6% |
| Admin fee / account holder | $477 | $581-17.8% | $5,333-91.1% | $504-5.3% |