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| Provider | Service type | Compensation |
|---|---|---|
H. M. PAYSON & CO.4 years Filed as: H.M. PAYSON & CO Service code 26 · EIN 01-0420707 | Advisory (Participants) | $180,110 |
CHARLES SCHWAB & CO., INC.5 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $38,792 |
CRIBSTONE CAPITAL MANAGEMENT5 years Filed as: CRIBSTONE CAPITAL MANAGEMENT L Service code 26 · EIN 45-4507987 | Advisory (Participants) | $22,802 |
Service code 28 · EIN 36-4001764 | Investment Management | $16,500 |
R M DAVIS INC6 years Filed as: R M DAVIS INC. Service code 26 · EIN 01-0356657 | Advisory (Participants) | $12,505 |
BERRY DUNN4 years Filed as: BERRY DUNN MCNEIL PARKER LLC Service code 10 · EIN 01-0523282 | Accounting | $11,115 |
Filed as: FIDUCIARY ADVISORS INC Service code 28 · EIN 43-1891647 | Investment Management | $5,300 |
CHARLES SCHWAB & CO., INC.7+ years Service code 33 · EIN 94-1737782 | Securities brokerage; Direct payment ... | $1,191 |
CHARLES SCHWAB & CO., INC.4 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $464,961 | $104,497+345.0% | $159,487+191.5% | $79,389+485.7% |
| Participation rate | 99.4% | 76.6%+22.8pp | 82.8%+16.6pp | 70.7%+28.7pp |
| Annual return | 13.57% | 67.98%-54.4pp | 263.71%-250.1pp | 116.89%-103.3pp |
| Employer contribution / active EE | $12,618 | $3,418+269.2% | $4,831+161.2% | $2,428+419.7% |
| Participant deferral / active EE | $12,108 | $6,468+87.2% | $7,354+64.7% | $4,046+199.3% |
| Admin fee / account holder | $1,103 | $711+55.0% | $10,804-89.8% | $626+76.0% |