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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.3+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $129,883 |
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING HOLDCO LLC Service code 28 · EIN 84-4519624 | Investment Management | $88,854 |
Filed as: BUCKINGHAM STRATEGIC WEALTH LL Service code 26 · EIN 20-8306720 | Advisory (Participants) | $68,844 |
AVIOR WEALTH MANAGEMENT2 years Filed as: AVIOR WEALTH MANAGEMENT LLC Service code 26 · EIN 26-4010495 | Advisory (Participants) | $66,411 |
Service code 26 · EIN 95-4670255 | Advisory (Participants) | $28,977 |
CAPWEALTH ADVISORS LLC3+ years Service code 26 · EIN 26-3565415 | Advisory (Participants) | $26,154 |
CLIFTONLARSONALLEN LLP2 years Filed as: CLIFTONLARSONALLEN Service code 26 · EIN 41-1803291 | Advisory (Participants) | $25,796 |
MUTUAL ADVISORS LLC3+ years Service code 26 · EIN 27-1193779 | Advisory (Participants) | $25,755 |
HIGHTOWER ADVISORS LLC3+ years Service code 26 · EIN 36-4500709 | Advisory (Participants) | $18,362 |
WATERLOO CAPITAL2 years Filed as: WATERLOO CAPITAL LP Service code 26 · EIN 20-1788544 | Advisory (Participants) | $17,776 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $612,132 | $53,136+1052.0% | $155,509+293.6% | $199,593+206.7% |
| Participation rate | 98.4% | 64.1%+34.3pp | 78.2%+20.2pp | 72.0%+26.4pp |
| Annual return | 20.87% | 41.15%-20.3pp | 64.67%-43.8pp | 34.25%-13.4pp |
| Employer contribution / active EE | $52,471 | $1,851+2734.7% | $4,672+1023.0% | $3,034+1629.3% |
| Participant deferral / active EE | $23,760 | $3,161+651.7% | $5,626+322.3% | $5,087+367.1% |
| Admin fee / account holder | $372 | $185+100.5% | $15,912-97.7% | $269+38.3% |