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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $40,958 |
CLAYTON FINANCIAL GROUP, LLC9 years Service code 27 · EIN 47-3829020 | Advisory (Plan) | $33,833 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $8,198 |
CHARLES SCHWAB & CO., INC.6 years Service code 59 · EIN 94-1737782 | 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 | $111,155 | $122,063-8.9% | $184,256-39.7% | $74,478+49.2% |
| Participation rate | 90.1% | 85.5%+4.6pp | 86.8%+3.2pp | 67.2%+22.8pp |
| Annual return | 10.90% | 19.92%-9.0pp | 28.85%-17.9pp | 1370.56%-1359.7pp |
| Employer contribution / active EE | $8,501 | $4,539+87.3% | $6,427+32.3% | $2,626+223.7% |
| Participant deferral / active EE | $5,286 | $7,144-26.0% | $9,133-42.1% | $4,350+21.5% |
| Admin fee / account holder | $400 | $1,253-68.1% | $13,899-97.1% | $1,946-79.4% |