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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.4 years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $23,450 |
CARON & BLETZER, PLLC2 years Service code 10 · EIN 04-3499945 | Accounting | $22,000 |
FIDUCIENT ADVISORS LLC1 year Service code 27 · EIN 36-4001764 | Advisory (Plan) | $19,556 |
WITHUMSMITH+BROWN, PC3 years Filed as: PARKER BROWN MACAULAY AND SHEE Service code 29 · EIN 40-3422478 | Legal | $10,040 |
CHARLES SCHWAB & CO., INC.4 years Service code 33 · EIN 94-1737782 | Securities brokerage; Float revenue; ... | $270 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB & CO INC AND AFFILI Service code 59 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $141,695 | $82,188+72.4% | $125,391+13.0% | $64,824+118.6% |
| Participation rate | 65.0% | 77.9%-12.9pp | 82.4%-17.4pp | 71.5%-6.5pp |
| Annual return | -14.76% | 3.50%-18.3pp | 572.41%-587.2pp | 32.84%-47.6pp |
| Employer contribution / active EE | $10,559 | $3,617+191.9% | $4,816+119.3% | $2,507+321.2% |
| Participant deferral / active EE | $5,484 | $7,177-23.6% | $7,448-26.4% | $4,311+27.2% |
| Admin fee / account holder | $341 | $163+108.8% | $10,009-96.6% | $188+81.4% |