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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $750 |
CHARLES SCHWAB & CO., INC.4 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 | $27,529 | $62,132-55.7% | $185,827-85.2% | $73,493-62.5% |
| Participation rate | 74.3% | 67.8%+6.5pp | 78.0%-3.7pp | 70.7%+3.6pp |
| Annual return | 14.68% | 20.44%-5.8pp | 35.96%-21.3pp | 28.51%-13.8pp |
| Employer contribution / active EE | $621 | $1,681-63.1% | $4,087-84.8% | $2,270-72.6% |
| Participant deferral / active EE | $1,681 | $3,711-54.7% | $5,633-70.2% | $3,740-55.0% |
| Admin fee / account holder | $5 | $419-98.7% | $9,502-99.9% | $513-99.0% |