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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $3,071 |
CHARLES SCHWAB & CO., INC.2 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $21,384 | $48,576-56.0% | $169,452-87.4% | $56,287-62.0% |
| Participation rate | 78.3% | 65.8%+12.5pp | 77.8%+0.5pp | 69.9%+8.4pp |
| Annual return | -4.32% | -2.51%-1.8pp | 1.83%-6.2pp | -9.96%+5.6pp |
| Employer contribution / active EE | $574 | $1,559-63.2% | $4,157-86.2% | $2,111-72.8% |
| Participant deferral / active EE | $1,686 | $3,275-48.5% | $5,277-68.0% | $3,350-49.7% |
| Admin fee / account holder | $25 | $435-94.4% | $9,110-99.7% | $521-95.3% |