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| Provider | Service type | Compensation |
|---|---|---|
GALECKI FINANCIAL4 years Filed as: GALECKI FINANCIAL MANAGEMENT Service code 26 · EIN 20-3255637 | Advisory (Participants) | $37,936 |
Filed as: VESTIA ADVISORS LLC Service code 26 · EIN 82-1828832 | Advisory (Participants) | $8,175 |
CHARLES SCHWAB & CO., INC.6+ years Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $1,379 |
CHARLES SCHWAB & CO., INC.6+ years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 25 · EIN 82-3967259 | Directed Trustee | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $279,691 | $91,198+206.7% | $178,503+56.7% | $79,856+250.2% |
| Participation rate | 96.5% | 69.2%+27.3pp | 81.9%+14.5pp | 69.6%+26.8pp |
| Annual return | 14.05% | 24.20%-10.1pp | 151.12%-137.1pp | 31.71%-17.7pp |
| Employer contribution / active EE | $7,233 | $3,257+122.1% | $5,011+44.3% | $2,471+192.7% |
| Participant deferral / active EE | $6,503 | $3,237+100.9% | $5,202+25.0% | $3,741+73.9% |
| Admin fee / account holder | $362 | $6,748-94.6% | $13,987-97.4% | $5,306-93.2% |