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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $57,179 |
CLAYTON FINANCIAL GROUP, LLC6 years Service code 27 · EIN 47-3829020 | Advisory (Plan) | $12,616 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $7,508 |
CHARLES SCHWAB & CO., INC.3 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 | $97,771 | $121,341-19.4% | $189,545-48.4% | $79,389+23.2% |
| Participation rate | 91.9% | 86.1%+5.8pp | 87.8%+4.1pp | 70.7%+21.2pp |
| Annual return | 11.75% | 21.08%-9.3pp | 555.36%-543.6pp | 116.89%-105.1pp |
| Employer contribution / active EE | $5,012 | $3,915+28.0% | $6,162-18.7% | $2,428+106.4% |
| Participant deferral / active EE | $5,341 | $6,395-16.5% | $8,220-35.0% | $4,046+32.0% |
| Admin fee / account holder | $383 | $651-41.1% | $12,049-96.8% | $626-38.8% |