Filed January 12, 2026 (most recent of 3 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $43,880 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $146,879 | $98,776+48.7% | $149,745-1.9% | $79,856+83.9% |
| Participation rate | 97.9% | 75.8%+22.1pp | 82.5%+15.4pp | 69.6%+28.3pp |
| Annual return | 10.65% | 27.38%-16.7pp | 276.72%-266.1pp | 31.71%-21.1pp |
| Employer contribution / active EE | $4,737 | $3,217+47.2% | $4,646+2.0% | $2,471+91.7% |
| Participant deferral / active EE | $9,040 | $5,681+59.1% | $6,843+32.1% | $3,741+141.7% |
| Admin fee / account holder | $372 | $6,053-93.9% | $9,312-96.0% | $5,306-93.0% |