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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $73,059 |
R M DAVIS INC3+ years Filed as: RM DAVIS INC Service code 26 · EIN 01-0356657 | Advisory (Participants) | $48,613 |
Service code 28 · EIN 20-4751585 | Investment Management | $18,802 |
Filed as: FL PUTNAM INVESTMENT MANAGEMENT Service code 26 · EIN 01-0403396 | Advisory (Participants) | $17,795 |
BAKER NEWMAN NOYES3+ years Filed as: BAKER NEWMAN AND NOYES LLC Service code 10 · EIN 01-0494526 | Accounting | $11,350 |
Filed as: WINDHAVEN INVESTMENT MANAGEMENT INC Service code 26 · EIN 27-3763801 | Advisory (Participants) | $8,057 |
CHARLES SCHWAB & CO., INC.3+ years Service code 33 · EIN 94-1737782 | Direct payment from the plan; Shareho... | $4,482 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $2 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO. AND AFFILIATES Service code 59 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $398,617 | $80,753+393.6% | $136,298+192.5% | $62,293+539.9% |
| Participation rate | 99.4% | 73.5%+25.9pp | 81.9%+17.5pp | 69.5%+29.9pp |
| Annual return | 16.27% | 35.83%-19.6pp | 5156.27%-5140.0pp | 28.90%-12.6pp |
| Employer contribution / active EE | $11,954 | $2,884+314.5% | $4,696+154.6% | $2,042+485.3% |
| Participant deferral / active EE | $10,277 | $5,164+99.0% | $6,247+64.5% | $3,169+224.3% |
| Admin fee / account holder | $951 | $525+81.0% | $9,244-89.7% | $479+98.4% |