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| Provider | Service type | Compensation |
|---|---|---|
Filed as: BURNHAM GIBSON WEALTH ADVISORS Service code 28 · EIN 47-5476782 | Investment Management | $66,131 |
CHARLES SCHWAB & CO., INC.3 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $35,056 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $124,762 | $91,474+36.4% | $135,982-8.3% | $71,529+74.4% |
| Participation rate | 72.8% | 75.7%-2.9pp | 81.9%-9.1pp | 67.9%+4.8pp |
| Annual return | 17.47% | 29.89%-12.4pp | 68.32%-50.9pp | 28.97%-11.5pp |
| Employer contribution / active EE | $500 | $3,705-86.5% | $4,859-89.7% | $2,590-80.7% |
| Participant deferral / active EE | $6,581 | $7,095-7.2% | $7,760-15.2% | $4,291+53.4% |
| Admin fee / account holder | $432 | $1,267-65.9% | $10,767-96.0% | $1,588-72.8% |