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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.4 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $102,164 |
CHARLES SCHWAB & CO., INC.6+ years Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $317 |
CHARLES SCHWAB & CO., INC.6+ years Filed as: CHARLES SCHWAB & CO AND AFFILIATES Service code 59 | 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 | $201,141 | $133,040+51.2% | $119,258+68.7% | $79,391+153.4% |
| Participation rate | 98.6% | 80.9%+17.8pp | 82.7%+15.9pp | 70.7%+27.9pp |
| Annual return | 11.58% | 20.05%-8.5pp | 30.69%-19.1pp | 116.88%-105.3pp |
| Employer contribution / active EE | $4,598 | $4,390+4.7% | $4,384+4.9% | $2,428+89.4% |
| Participant deferral / active EE | $7,105 | $6,448+10.2% | $6,111+16.3% | $4,046+75.6% |
| Admin fee / account holder | $370 | $686-46.1% | $7,226-94.9% | $627-40.9% |