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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.5 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $45,441 |
WELCH & FORBES LLC8+ years Service code 26 · EIN 04-3573806 | Advisory (Participants) | $27,320 |
PINNEY & SCOFIELD INC5 years Service code 26 · EIN 87-0699734 | Advisory (Participants) | $12,555 |
BIRCH HILL INVESTMENT ADVISORS8+ years Service code 26 · EIN 20-8723327 | Advisory (Participants) | $9,742 |
CHARLES SCHWAB & CO., INC.8+ years Service code 33 · EIN 94-1737782 | Shareholder servicing fees; Securitie... | $1,275 |
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.)
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 | $347,081 | $84,499+310.8% | $125,391+176.8% | $66,949+418.4% |
| Participation rate | 98.9% | 76.4%+22.5pp | 82.4%+16.6pp | 69.8%+29.1pp |
| Annual return | -15.07% | -8.49%-6.6pp | 572.41%-587.5pp | 1.57%-16.6pp |
| Employer contribution / active EE | $1,042 | $3,554-70.7% | $4,816-78.4% | $2,545-59.1% |
| Participant deferral / active EE | $15,528 | $6,785+128.9% | $7,448+108.5% | $4,239+266.3% |
| Admin fee / account holder | $342 | $685-50.1% | $10,009-96.6% | $594-42.4% |