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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $35,390 |
CLAYTON FINANCIAL GROUP, LLC5 years Service code 27 · EIN 47-3829020 | Advisory (Plan) | $25,519 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-1558009 | Securities Custodian | $6,175 |
CHARLES SCHWAB & CO., INC.2 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.)
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 | $88,313 | $136,307-35.2% | $177,848-50.3% | $73,497+20.2% |
| Participation rate | 87.9% | 86.1%+1.8pp | 87.7%+0.2pp | 70.7%+17.2pp |
| Annual return | 13.90% | 18.68%-4.8pp | 48.33%-34.4pp | 28.51%-14.6pp |
| Employer contribution / active EE | $2,966 | $3,712-20.1% | $5,919-49.9% | $2,270+30.6% |
| Participant deferral / active EE | $4,836 | $5,829-17.0% | $7,714-37.3% | $3,740+29.3% |
| Admin fee / account holder | $331 | $596-44.4% | $12,431-97.3% | $513-35.5% |