Filed February 16, 2026
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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.4 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $22,049 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $156,986 | $49,471+217.3% | $79,583+97.3% | $66,949+134.5% |
| Participation rate | 53.3% | 61.4%-8.0pp | 69.5%-16.2pp | 69.8%-16.5pp |
| Annual return | -19.48% | 84.30%-103.8pp | 0.16%-19.6pp | 1.57%-21.0pp |
| Employer contribution / active EE | $1,660 | $1,266+31.1% | $2,414-31.2% | $2,545-34.8% |
| Participant deferral / active EE | $4,008 | $3,160+26.9% | $3,986+0.6% | $4,239-5.4% |
| Admin fee / account holder | $266 | $595-55.3% | $6,835-96.1% | $594-55.2% |