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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2+ years Filed as: NEWPORT CAPITAL GROUP LLC Service code 28 · EIN 86-1109193 | Investment Management | $83,675 |
YELLOWSTONE PARTNERS2+ years Filed as: YELLOWSTONE PARTNERS LLC DBA Service code 26 · EIN 20-1470638 | Advisory (Participants) | $5,346 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB & CO. INC. Service code 33 · EIN 94-1737782 | Float revenue; Securities brokerage; ... | $3,261 |
Filed as: SCHWAB RETIREMENT PLAN SERVICES, IN Service code 15 · EIN 34-1479833 | Recordkeeping | $2,830 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB & CO INC AND AFFLIAT Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $347,026 | $75,183+361.6% | $123,894+180.1% | $55,167+529.0% |
| Participation rate | 89.7% | 72.8%+16.9pp | 81.4%+8.3pp | 69.0%+20.8pp |
| Annual return | 8.91% | 19.01%-10.1pp | 47.52%-38.6pp | 169.23%-160.3pp |
| Employer contribution / active EE | $12,340 | $2,823+337.0% | $4,617+167.3% | $1,963+528.8% |
| Participant deferral / active EE | $11,214 | $5,084+120.6% | $5,984+87.4% | $3,054+267.2% |
| Admin fee / account holder | $510 | $663-23.0% | $8,357-93.9% | $504+1.3% |