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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $67,145 |
Service code 28 · EIN 47-1411118 | Investment Management | $19,150 |
BST & CO. CPA'S LLP2 years Filed as: BST & CO. CPAS, LLP Service code 64 · EIN 14-1442607 | Recordkeeping Fees | $16,500 |
CHARLES SCHWAB & CO., INC.5+ years Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $25 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $510,051 | $89,652+468.9% | $141,191+261.2% | $65,185+682.5% |
| Participation rate | 93.0% | 74.7%+18.3pp | 82.5%+10.5pp | 70.2%+22.8pp |
| Annual return | 19.49% | 32.79%-13.3pp | 71.41%-51.9pp | 29.38%-9.9pp |
| Employer contribution / active EE | $10,686 | $3,065+248.7% | $4,736+125.6% | $2,177+390.9% |
| Participant deferral / active EE | $8,795 | $5,691+54.5% | $6,710+31.1% | $3,514+150.3% |
| Admin fee / account holder | $642 | $569+13.0% | $10,264-93.7% | $847-24.2% |