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| Provider | Service type | Compensation |
|---|---|---|
THE JOSEPH GROUP LLC10+ years Service code 26 · EIN 36-4729550 | Advisory (Participants) | $160,481 |
HAMILTON CAPITAL LLC6 years Service code 26 · EIN 83-3000171 | Advisory (Participants) | $93,785 |
FISHER INVESTMENTS10+ years Service code 26 · EIN 20-2480800 | Advisory (Participants) | $92,572 |
Filed as: SCHWAB RETIREMENT PLAN SERVICES, IN Service code 15 · EIN 34-1479833 | Recordkeeping | $81,342 |
COOK STREET CONSULTING1 year Filed as: COOK STREET CONSULTING, INC Service code 28 · EIN 84-0854432 | Investment Management | $41,772 |
G2 CAPITAL MANAGEMENT LLC8 years Service code 26 · EIN 81-4912492 | Advisory (Participants) | $29,929 |
Filed as: ONEDIGITAL INVESTMENT ADVISORS Service code 26 · EIN 43-1451524 | Advisory (Participants) | $27,687 |
JOHNSON BANK8 years Filed as: JOHNSON INVESTMENT COUNSEL INC Service code 26 · EIN 31-1801770 | Advisory (Participants) | $24,941 |
Filed as: MORGAN STANLEY GLOBAL Service code 28 · EIN 26-4310632 | Investment Management | $20,895 |
Filed as: MORGAN STANLEY CAPITAL MANAGE Service code 28 · EIN 11-3658445 | Investment Management | $20,886 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $407,426 | $106,164+283.8% | $147,041+177.1% | $77,692+424.4% |
| Participation rate | 98.0% | 78.4%+19.6pp | 82.2%+15.9pp | 70.6%+27.4pp |
| Annual return | 15.29% | 56.81%-41.5pp | 419.21%-403.9pp | 31.25%-16.0pp |
| Employer contribution / active EE | $14,751 | $4,066+262.8% | $4,935+198.9% | $2,726+441.1% |
| Participant deferral / active EE | $14,873 | $7,993+86.1% | $8,071+84.3% | $4,648+220.0% |
| Admin fee / account holder | $633 | $338+87.3% | $13,006-95.1% | $431+47.0% |