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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.7 years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $35,685 |
FIDUCIENT ADVISORS LLC3 years Service code 28 · EIN 36-4001764 | Investment Management | $34,923 |
BLEAKLEY FINANCIAL GROUP LLC3 years Service code 28 · EIN 47-2523848 | Investment Management | $25,839 |
CARON & BLETZER, PLLC10+ years Filed as: CARON & BLETZER PLLC Service code 10 · EIN 04-3499945 | Accounting | $22,345 |
CREATIVE PLANNING LLC2 years Service code 26 · EIN 43-1270780 | Advisory (Participants) | $17,232 |
WITHUMSMITH+BROWN, PC5 years Filed as: PARKER BROWN MACAULAY AND SHEE Service code 28 · EIN 04-3422478 | Investment Management | $15,114 |
Service code 26 · EIN 39-1897480 | Advisory (Participants) | $9,671 |
FIRST STATE TRUST COMPANY2 years Service code 28 · EIN 13-3124172 | Investment Management | $6,500 |
CHARLES SCHWAB & CO., INC.3 years Service code 33 · EIN 94-1737782 | Float revenue; Direct payment from th... | $436 |
CHARLES SCHWAB & CO., INC.2 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $362,225 | $106,028+241.6% | $146,958+146.5% | $77,643+366.5% |
| Participation rate | 71.8% | 78.4%-6.6pp | 82.2%-10.4pp | 70.6%+1.2pp |
| Annual return | 15.08% | 56.73%-41.7pp | 418.34%-403.3pp | 31.24%-16.2pp |
| Employer contribution / active EE | $2,604 | $4,063-35.9% | $4,933-47.2% | $2,726-4.5% |
| Participant deferral / active EE | $10,852 | $7,990+35.8% | $8,070+34.5% | $4,647+133.5% |
| Admin fee / account holder | $434 | $337+28.6% | $12,998-96.7% | $430+0.8% |