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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 | $85,077 |
MMA SECURITIES LLC1 year Service code 28 · EIN 36-1436000 | Investment Management | $18,656 |
CHARLES SCHWAB & CO., INC.5+ years Service code 33 · EIN 94-1737782 | Shareholder servicing fees; Direct pa... | $141 |
CHARLES SCHWAB & CO., INC.5+ years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $123,354 | $78,781+56.6% | $100,530+22.7% | $73,412+68.0% |
| Participation rate | 91.1% | 80.0%+11.1pp | 79.4%+11.7pp | 72.2%+18.9pp |
| Annual return | 23.00% | 31.69%-8.7pp | 30.89%-7.9pp | 59.30%-36.3pp |
| Employer contribution / active EE | $0 | $2,420-100.0% | $3,418-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $4,163 | $6,537-36.3% | $6,271-33.6% | $3,806+9.4% |
| Admin fee / account holder | $313 | $145+115.6% | $8,083-96.1% | $158+98.5% |