Filed December 30, 2024 (most recent of 3 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $54,797 |
Filed as: ABG RETIREMENT PLAN SERVICES Service code 15 · EIN 37-0899315 | Recordkeeping | $18,156 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $8,583 |
CHARLES SCHWAB & CO., INC.6+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $40 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $187,233 | $73,638+154.3% | $95,964+95.1% | $73,497+154.8% |
| Participation rate | 95.7% | 76.2%+19.6pp | 77.1%+18.6pp | 70.7%+25.0pp |
| Annual return | 11.02% | 16.78%-5.8pp | 91.64%-80.6pp | 28.51%-17.5pp |
| Employer contribution / active EE | $4,388 | $1,863+135.5% | $2,541+72.7% | $2,270+93.3% |
| Participant deferral / active EE | $6,921 | $3,617+91.3% | $4,167+66.1% | $3,740+85.1% |
| Admin fee / account holder | $354 | $482-26.5% | $6,797-94.8% | $513-31.0% |