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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1450952 | Recordkeeping | $37,794 |
CLAYTON FINANCIAL GROUP, LLC8 years Service code 27 · EIN 47-3829020 | Advisory (Plan) | $30,413 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $5,457 |
CHARLES SCHWAB & CO., INC.5 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 | $103,662 | $130,294-20.4% | $170,057-39.0% | $71,529+44.9% |
| Participation rate | 94.1% | 86.2%+7.9pp | 87.0%+7.1pp | 67.9%+26.1pp |
| Annual return | 15.94% | 20.36%-4.4pp | 53.42%-37.5pp | 28.97%-13.0pp |
| Employer contribution / active EE | $5,724 | $4,385+30.5% | $6,790-15.7% | $2,590+121.0% |
| Participant deferral / active EE | $5,680 | $6,928-18.0% | $10,411-45.4% | $4,291+32.3% |
| Admin fee / account holder | $377 | $966-61.0% | $12,826-97.1% | $1,588-76.3% |