Filed January 12, 2026 (most recent of 3 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.4 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $59,654 |
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 | $131,045 | $91,439+43.3% | $135,974-3.6% | $71,511+83.3% |
| Participation rate | 98.3% | 75.7%+22.7pp | 81.9%+16.4pp | 67.9%+30.4pp |
| Annual return | 14.76% | 29.90%-15.1pp | 68.30%-53.5pp | 28.86%-14.1pp |
| Employer contribution / active EE | $4,132 | $3,705+11.5% | $4,859-15.0% | $2,589+59.6% |
| Participant deferral / active EE | $9,689 | $7,093+36.6% | $7,760+24.9% | $4,291+125.8% |
| Admin fee / account holder | $406 | $1,267-68.0% | $10,767-96.2% | $1,588-74.5% |