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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.3 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $63,143 |
R M DAVIS INC5+ years Filed as: RM DAVIS INC Service code 26 · EIN 01-0356657 | Advisory (Participants) | $42,012 |
Filed as: FL PUTNAM INVESTMENT MANAGEMENT Service code 26 · EIN 01-0403396 | Advisory (Participants) | $19,723 |
Service code 26 · EIN 26-1697934 | Advisory (Participants) | $18,427 |
Service code 28 · EIN 20-4751585 | Investment Management | $14,750 |
Filed as: WINDHAVEN INVESTMENT MANAGEMENT INC Service code 26 · EIN 27-3763801 | Advisory (Participants) | $8,797 |
Service code 28 · EIN 01-0471500 | Investment Management | $7,695 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO., INC Service code 33 · EIN 94-1737782 | Other investment fees and expenses; D... | $2,185 |
CHARLES SCHWAB & CO., INC.5+ 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $406,517 | $89,652+353.4% | $141,191+187.9% | $65,185+523.6% |
| Participation rate | 98.9% | 74.7%+24.1pp | 82.5%+16.4pp | 70.2%+28.6pp |
| Annual return | 21.89% | 32.79%-10.9pp | 71.41%-49.5pp | 29.38%-7.5pp |
| Employer contribution / active EE | $14,219 | $3,065+364.0% | $4,736+200.2% | $2,177+553.2% |
| Participant deferral / active EE | $10,773 | $5,691+89.3% | $6,710+60.5% | $3,514+206.6% |
| Admin fee / account holder | $786 | $569+38.2% | $10,264-92.3% | $847-7.3% |