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 | $42,035 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $9,826 |
CHARLES SCHWAB & CO., INC.7+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $11 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $209,662 | $84,936+146.8% | $111,303+88.4% | $79,393+164.1% |
| Participation rate | 94.3% | 75.9%+18.5pp | 77.3%+17.0pp | 70.7%+23.6pp |
| Annual return | 13.57% | 17.45%-3.9pp | 54.66%-41.1pp | 116.87%-103.3pp |
| Employer contribution / active EE | $4,251 | $1,979+114.8% | $2,731+55.6% | $2,428+75.1% |
| Participant deferral / active EE | $6,909 | $3,888+77.7% | $4,487+54.0% | $4,046+70.8% |
| Admin fee / account holder | $360 | $537-32.9% | $7,966-95.5% | $627-42.5% |