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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CHARLES SCHWAB & CO Service code 33 | Other investment fees and expenses; S... | $0 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 16 · EIN 82-3967259 | Consulting | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,379 | $65,434-38.3% | $98,483-59.0% | $85,847-53.0% |
| Participation rate | 65.4% | 65.0%+0.4pp | 73.3%-8.0pp | 69.3%-3.9pp |
| Annual return | 21.95% | 21.75%+0.2pp | 1494.38%-1472.4pp | 318.61%-296.7pp |
| Employer contribution / active EE | $1,873 | $2,169-13.6% | $2,961-36.7% | $2,565-27.0% |
| Participant deferral / active EE | $2,837 | $3,168-10.5% | $4,276-33.7% | $3,952-28.2% |
| Admin fee / account holder | $419 | $4,595-90.9% | $5,953-93.0% | $6,261-93.3% |