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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.7 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $57,984 |
EXCHANGE CAPITAL MANAGEMENT8 years Service code 26 · EIN 38-2901720 | Advisory (Participants) | $23,339 |
CHARLES SCHWAB & CO., INC.10+ years Filed as: CHARLES SCHWAB & CO, INC Service code 33 · EIN 94-1737782 | Float revenue; Securities brokerage c... | $81 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO.INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $249,369 | $101,653+145.3% | $147,080+69.5% | $74,459+234.9% |
| Participation rate | 96.7% | 75.6%+21.1pp | 82.2%+14.5pp | 67.2%+29.4pp |
| Annual return | 10.73% | 8754.98%-8744.3pp | 420.17%-409.4pp | 1369.70%-1359.0pp |
| Employer contribution / active EE | $6,335 | $3,813+66.1% | $4,933+28.4% | $2,626+141.2% |
| Participant deferral / active EE | $8,832 | $7,304+20.9% | $8,066+9.5% | $4,350+103.1% |
| Admin fee / account holder | $440 | $1,752-74.9% | $12,989-96.6% | $1,945-77.4% |