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| Provider | Service type | Compensation |
|---|---|---|
MARCUM LLP1 year Service code 10 · EIN 11-1986323 | Accounting | $11,300 |
CHARLES SCHWAB & CO., INC.6+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $6,439 |
Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.6+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 25 · EIN 82-3967259 | Directed Trustee | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $72,921 | $85,135-14.3% | $98,920-26.3% | $73,412-0.7% |
| Participation rate | 97.2% | 81.1%+16.0pp | 76.0%+21.1pp | 72.2%+25.0pp |
| Annual return | 18.99% | 19.14%-0.2pp | 196.47%-177.5pp | 59.30%-40.3pp |
| Employer contribution / active EE | $150 | $2,721-94.5% | $2,689-94.4% | $2,234-93.3% |
| Participant deferral / active EE | $2,139 | $4,349-50.8% | $4,245-49.6% | $3,806-43.8% |
| Admin fee / account holder | $18 | $139-86.8% | $6,643-99.7% | $158-88.4% |