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| Provider | Service type | Compensation |
|---|---|---|
CITY STATE BANK8 years Service code 21 · EIN 42-0443990 | Bank Trustee | $135,917 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 | Securities Custodian | $14,869 |
CHARLES SCHWAB & CO., INC.2 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $288,714 | $101,672+184.0% | $147,117+96.2% | $74,478+287.7% |
| Participation rate | 92.7% | 75.5%+17.2pp | 82.2%+10.5pp | 67.2%+25.5pp |
| Annual return | 13.23% | 8757.83%-8744.6pp | 420.54%-407.3pp | 1370.56%-1357.3pp |
| Employer contribution / active EE | $8,766 | $3,813+129.9% | $4,932+77.7% | $2,626+233.8% |
| Participant deferral / active EE | $12,060 | $7,305+65.1% | $8,065+49.5% | $4,350+177.2% |
| Admin fee / account holder | $975 | $1,753-44.4% | $12,993-92.5% | $1,946-49.9% |