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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SCHWAB RETIREMENTPLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $47,738 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $344,510 | $101,499+239.4% | $147,005+134.4% | $74,546+362.1% |
| Participation rate | 69.7% | 75.5%-5.8pp | 82.2%-12.5pp | 67.2%+2.5pp |
| Annual return | 18.08% | 8732.34%-8714.3pp | 418.76%-400.7pp | 1366.03%-1348.0pp |
| Employer contribution / active EE | $0 | $3,811-100.0% | $4,934-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $11,692 | $7,304+60.1% | $8,070+44.9% | $4,347+168.9% |
| Admin fee / account holder | $419 | $1,748-76.0% | $13,006-96.8% | $1,944-78.5% |