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| Provider | Service type | Compensation |
|---|---|---|
H. M. PAYSON & CO.2+ years Filed as: H.M. PAYSON & CO. Service code 26 · EIN 01-0420707 | Advisory (Participants) | $97,739 |
Filed as: SCHWAB RETIREMENT PLAN SERVICES, IN Service code 15 · EIN 34-1479833 | Recordkeeping | $43,449 |
Filed as: CRIBSTONE CAPITAL MANAGEMENT LLC Service code 26 · EIN 45-4507987 | Advisory (Participants) | $24,523 |
FIDUCIARY INVESTMENT ADVISORS2+ years Service code 28 · EIN 20-4751585 | Investment Management | $22,000 |
Filed as: FL PUTNAM INVESTMENT MANAGEMENT Service code 26 · EIN 01-0403396 | Advisory (Participants) | $16,234 |
BERRY DUNN2+ years Filed as: BERRY DUNN MCNEIL & PARKER LLC Service code 10 · EIN 01-0523282 | Accounting | $10,200 |
R M DAVIS INC1 year Filed as: R M DAVIS INC. Service code 26 · EIN 01-0356657 | Advisory (Participants) | $8,820 |
CHARLES SCHWAB & CO., INC.2+ years Service code 33 · EIN 94-1737782 | Direct payment from the plan; Shareho... | $8,247 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $1 |
CHARLES SCHWAB & CO., INC.2+ 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.)
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 | $314,438 | $75,183+318.2% | $123,894+153.8% | $55,167+470.0% |
| Participation rate | 100.0% | 72.8%+27.2pp | 81.4%+18.6pp | 69.0%+31.0pp |
| Annual return | 8.75% | 19.01%-10.3pp | 47.52%-38.8pp | 169.23%-160.5pp |
| Employer contribution / active EE | $9,853 | $2,823+249.0% | $4,617+113.4% | $1,963+402.0% |
| Participant deferral / active EE | $8,053 | $5,084+58.4% | $5,984+34.6% | $3,054+163.7% |
| Admin fee / account holder | $953 | $663+43.8% | $8,357-88.6% | $504+89.1% |