This is a situation that sometimes I can spot if I remember to look at the two-year comparison feature.  If it's the same amount of money, it should be earning as much as the year before.  If the third account was funded from the other two, the lower income should be questioned.  But this year, with rising interest rates, many investors were earning much more than in 2022, even with one hand tied behind their back (or one arm being twisted by a broker looking for more commission income).