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| Provider | Service type | Compensation |
|---|---|---|
GREENLEAF TRUST3+ years Service code 28 · EIN 38-3416104 | Investment Management | $113,239 |
CHARLES SCHWAB & CO., INC.2 years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 26 · EIN 34-1479833 | Advisory (Participants) | $79,219 |
PLANTE & MORAN, PLLC3+ years Filed as: PLANTE MORAN FINANCIAL ADVISOR Service code 26 · EIN 38-3123123 | Advisory (Participants) | $17,318 |
CHARLES SCHWAB & CO., INC.3+ years Service code 33 · EIN 94-1737782 | Securities brokerage; Securities brok... | $10,068 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO. AND AFFILIATES Service code 59 | Shareholder Servicing | $0 |
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).
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 | $646,643 | $55,453+1066.1% | $170,435+279.4% | $62,293+938.1% |
| Participation rate | 95.4% | 66.4%+29.0pp | 83.6%+11.8pp | 69.5%+25.9pp |
| Annual return | 13.87% | 21.38%-7.5pp | 205.94%-192.1pp | 28.90%-15.0pp |
| Employer contribution / active EE | $29,432 | $2,164+1260.3% | $5,432+441.8% | $2,042+1341.1% |
| Participant deferral / active EE | $9,036 | $2,303+292.4% | $4,939+82.9% | $3,169+185.1% |
| Admin fee / account holder | $1,315 | $455+188.9% | $13,881-90.5% | $479+174.3% |