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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.6 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $53,628 |
R M DAVIS INC8+ years Filed as: RM DAVIS INC Service code 26 · EIN 01-0356657 | Advisory (Participants) | $45,278 |
H. M. PAYSON & CO.3 years Service code 26 · EIN 01-0420707 | Advisory (Participants) | $29,501 |
Service code 28 · EIN 01-0471500 | Investment Management | $12,776 |
BAKER NEWMAN NOYES8+ years Filed as: BAKER NEWMAN AND NOYES LLC Service code 10 · EIN 01-0494526 | Accounting | $12,400 |
CHARLES SCHWAB & CO., INC.8+ years Service code 33 · EIN 94-1737782 | Float revenue; Securities brokerage c... | $1,129 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB & CO INC. AND AFFILI Service code 59 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $399,277 | $84,493+372.6% | $125,381+218.5% | $66,938+496.5% |
| Participation rate | 100.0% | 76.4%+23.6pp | 82.4%+17.6pp | 69.8%+30.2pp |
| Annual return | -21.71% | -8.49%-13.2pp | 572.31%-594.0pp | 1.58%-23.3pp |
| Employer contribution / active EE | $17,057 | $3,554+380.0% | $4,815+254.2% | $2,545+570.1% |
| Participant deferral / active EE | $14,807 | $6,783+118.3% | $7,448+98.8% | $4,238+249.4% |
| Admin fee / account holder | $666 | $685-2.8% | $10,007-93.3% | $594+12.1% |