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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.1+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $49,854 |
SUMMIT FINANCIAL GROUP INC1+ years Service code 28 · EIN 59-2998483 | Investment Management | $17,089 |
JAMES INVESTMENT RESEARCH INC1+ years Service code 26 · EIN 31-0891459 | Advisory (Participants) | $13,223 |
GOLDMAN SACHS1+ years Filed as: CLARKSTON CAPITAL PARTNERS LLC Service code 26 · EIN 83-0473650 | Advisory (Participants) | $10,238 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB & CO, INC Service code 33 · EIN 94-1737782 | Float revenue; Shareholder servicing ... | $5,155 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB & CO.,INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $171,913 | $70,002+145.6% | $115,037+49.4% | $52,331+228.5% |
| Participation rate | 98.5% | 72.1%+26.3pp | 81.4%+17.1pp | 68.1%+30.3pp |
| Annual return | -1.50% | 4.04%-5.5pp | 26.14%-27.6pp | 4.54%-6.0pp |
| Employer contribution / active EE | $5,155 | $2,715+89.9% | $4,608+11.9% | $1,882+174.0% |
| Participant deferral / active EE | $5,887 | $4,920+19.7% | $6,026-2.3% | $3,022+94.8% |
| Admin fee / account holder | $393 | $566-30.6% | $8,175-95.2% | $592-33.6% |