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| Provider | Service type | Compensation |
|---|---|---|
H. M. PAYSON & CO.3 years Filed as: H.M. PAYSON & CO Service code 26 · EIN 01-0420707 | Advisory (Participants) | $166,880 |
CHARLES SCHWAB & CO., INC.4 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $45,460 |
CRIBSTONE CAPITAL MANAGEMENT4 years Filed as: CRIBSTONE CAPITAL MANAGEMENT L Service code 26 · EIN 45-4507987 | Advisory (Participants) | $21,354 |
FIDUCIARY INVESTMENT ADVISORS6+ years Service code 28 · EIN 20-4751585 | Investment Management | $16,500 |
BERRY DUNN3 years Filed as: BERRY DUNN MCNEIL PARKER LLC Service code 10 · EIN 01-0523282 | Accounting | $10,956 |
R M DAVIS INC5 years Filed as: R M DAVIS INC. Service code 26 · EIN 01-0356657 | Advisory (Participants) | $10,144 |
Filed as: FL PUTNAM INVESTMENT MANAGEMENT Service code 26 · EIN 01-0403396 | Advisory (Participants) | $7,883 |
Service code 28 · EIN 36-4001764 | Investment Management | $5,500 |
CHARLES SCHWAB & CO., INC.6+ years Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $4,054 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB & CO. INC AND AFFIL 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $435,714 | $99,957+335.9% | $149,745+191.0% | $73,497+492.8% |
| Participation rate | 99.4% | 75.7%+23.7pp | 82.5%+16.9pp | 70.7%+28.7pp |
| Annual return | 15.27% | 53.87%-38.6pp | 276.72%-261.5pp | 28.51%-13.2pp |
| Employer contribution / active EE | $11,621 | $3,191+264.2% | $4,646+150.1% | $2,270+411.9% |
| Participant deferral / active EE | $11,386 | $6,073+87.5% | $6,843+66.4% | $3,740+204.5% |
| Admin fee / account holder | $1,144 | $551+107.8% | $9,312-87.7% | $513+123.1% |