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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.2 years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $25,339 |
Service code 29 · EIN 20-4751585 | Legal | $19,002 |
WITHUMSMITH+BROWN, PC1 year Filed as: PARKER BROWN MACAULAY AND SHEE Service code 29 · EIN 04-3422478 | Legal | $13,593 |
CARON & BLETZER, PLLC1 year Filed as: CARON & BLETZER PLLC Service code 28 · EIN 04-3499945 | Investment Management | $13,500 |
Service code 29 · EIN 36-4001764 | Legal | $6,519 |
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO BANK Service code 10 · EIN 94-1347393 | Accounting | $6,519 |
CHARLES SCHWAB & CO., INC.2 years Service code 33 · EIN 94-1737782 | Float revenue; Shareholder servicing ... | $260 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO INC AND AFFILI 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $130,762 | $99,957+30.8% | $149,745-12.7% | $73,497+77.9% |
| Participation rate | 71.4% | 75.7%-4.3pp | 82.5%-11.1pp | 70.7%+0.7pp |
| Annual return | 17.23% | 53.87%-36.6pp | 276.72%-259.5pp | 28.51%-11.3pp |
| Employer contribution / active EE | $6,888 | $3,191+115.8% | $4,646+48.3% | $2,270+203.4% |
| Participant deferral / active EE | $5,466 | $6,073-10.0% | $6,843-20.1% | $3,740+46.1% |
| Admin fee / account holder | $406 | $551-26.2% | $9,312-95.6% | $513-20.8% |