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| Provider | Service type | Compensation |
|---|---|---|
Service code 28 · EIN 36-4001764 | Investment Management | $33,738 |
Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $26,329 |
WITHUMSMITH+BROWN, PC1 year Filed as: PARKER BROWN & MACAULAY P. C. Service code 29 · EIN 04-3422478 | Legal | $21,722 |
CARON & BLETZER, PLLC4 years Filed as: CARON & BLETZER PLLC Service code 29 · EIN 04-3499945 | Legal | $14,050 |
CHARLES SCHWAB & CO., INC.5 years Service code 33 · EIN 94-1737782 | Float revenue; Securities brokerage; ... | $490 |
Filed as: CHARLES SCHWAB & CO.INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
FIRST STATE TRUST COMPANY3 years 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $158,631 | $91,439+73.5% | $135,974+16.7% | $71,511+121.8% |
| Participation rate | 74.7% | 75.7%-1.0pp | 81.9%-7.2pp | 67.9%+6.7pp |
| Annual return | 17.36% | 29.90%-12.5pp | 68.30%-50.9pp | 28.86%-11.5pp |
| Employer contribution / active EE | $12,470 | $3,705+236.6% | $4,859+156.7% | $2,589+381.6% |
| Participant deferral / active EE | $6,345 | $7,093-10.5% | $7,760-18.2% | $4,291+47.9% |
| Admin fee / account holder | $410 | $1,267-67.7% | $10,767-96.2% | $1,588-74.2% |