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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $96,934 |
CHARLES SCHWAB & CO., INC.4 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $0 |
WIPFLI LLP2 years Filed as: WIPFLI, LLP Service code 10 · EIN 39-0758449 | Accounting | $0 |
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.
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 | $81,908 | $76,112+7.6% | $96,534-15.2% | $71,511+14.5% |
| Participation rate | 95.2% | 74.4%+20.8pp | 76.0%+19.3pp | 67.9%+27.3pp |
| Annual return | 13.72% | 22.81%-9.1pp | 25.88%-12.2pp | 28.86%-15.1pp |
| Employer contribution / active EE | $4,072 | $2,248+81.2% | $2,965+37.3% | $2,589+57.3% |
| Participant deferral / active EE | $4,485 | $4,217+6.4% | $4,851-7.5% | $4,291+4.5% |
| Admin fee / account holder | $421 | $2,708-84.4% | $8,253-94.9% | $1,588-73.5% |