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| Provider | Service type | Compensation |
|---|---|---|
H. M. PAYSON & CO.6 years Filed as: H.M. PAYSON & CO Service code 26 · EIN 01-0420707 | Advisory (Participants) | $205,402 |
CHARLES SCHWAB & CO., INC.7 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $43,692 |
EP WEALTH ADVISORS LLC1 year Service code 26 · EIN 33-0152539 | Advisory (Participants) | $22,103 |
FIDUCIENT ADVISORS LLC2 years Service code 28 · EIN 36-4001764 | Investment Management | $22,000 |
R M DAVIS INC8 years Filed as: R M DAVIS INC. Service code 26 · EIN 01-0356657 | Advisory (Participants) | $13,924 |
BERRY DUNN9+ years Filed as: BERRY DUNN MCNEIL & PARKER LLC Service code 10 · EIN 01-0523282 | Accounting | $13,250 |
Filed as: CHARLES SCHWAB & CO INC Service code 33 · EIN 94-1737782 | Direct payment from the plan; Securit... | $768 |
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.)
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 | $377,873 | $91,474+313.1% | $135,982+177.9% | $71,529+428.3% |
| Participation rate | 99.5% | 75.7%+23.8pp | 81.9%+17.5pp | 67.9%+31.5pp |
| Annual return | 17.97% | 29.89%-11.9pp | 68.32%-50.4pp | 28.97%-11.0pp |
| Employer contribution / active EE | $10,976 | $3,705+196.2% | $4,859+125.9% | $2,590+323.8% |
| Participant deferral / active EE | $12,190 | $7,095+71.8% | $7,760+57.1% | $4,291+184.0% |
| Admin fee / account holder | $1,040 | $1,267-17.9% | $10,767-90.3% | $1,588-34.5% |