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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.3 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $60,515 |
MULTNOMAH GROUP5 years Filed as: MULTNOMAH GROUP INC Service code 28 · EIN 20-0361079 | Investment Management | $17,000 |
SIKICH LLP6+ years Service code 10 · EIN 36-3168081 | Accounting | $11,994 |
TRAVERSE PLANNING4 years Filed as: TRAVERSE PARTNERS LLC Service code 26 · EIN 41-2188524 | Advisory (Participants) | $9,824 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB & CO., INC Service code 33 · EIN 94-1737782 | Direct payment from the plan; Securit... | $180 |
CHARLES SCHWAB & CO., INC.6+ years Filed as: CHARLES SCHWAB & CO INC AND AFFILIA Service code 59 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $194,895 | $81,474+139.2% | $133,971+45.5% | $73,493+165.2% |
| Participation rate | 97.9% | 76.4%+21.5pp | 79.8%+18.0pp | 70.7%+27.2pp |
| Annual return | 12.40% | 19.40%-7.0pp | 45.09%-32.7pp | 28.51%-16.1pp |
| Employer contribution / active EE | $2,482 | $2,209+12.3% | $3,919-36.7% | $2,270+9.3% |
| Participant deferral / active EE | $8,905 | $3,786+135.2% | $5,047+76.4% | $3,740+138.1% |
| Admin fee / account holder | $339 | $713-52.5% | $8,929-96.2% | $513-33.9% |