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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.2+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $104,753 |
Filed as: LOCKTON INVESTMENT ADVISORS LLC Service code 28 · EIN 20-8874282 | Investment Management | $80,525 |
BUCKINGHAM STRATEGIC PARTNERS2+ years Filed as: BUCKINGHAM STRATEGIC WEALTH LLC Service code 26 · EIN 20-8306720 | Advisory (Participants) | $77,148 |
AVIOR WEALTH MANAGEMENT1 year Filed as: AVIOR WEALTH MANAGEMENT LLC Service code 26 · EIN 26-4010495 | Advisory (Participants) | $38,804 |
CAPWEALTH ADVISORS LLC2+ years Service code 26 · EIN 26-3565415 | Advisory (Participants) | $23,315 |
MUTUAL ADVISORS LLC2+ years Service code 26 · EIN 27-1193779 | Advisory (Participants) | $22,711 |
CLIFTONLARSONALLEN LLP1 year Filed as: CLIFTONLARSONALLEN Service code 26 · EIN 41-1803291 | Advisory (Participants) | $22,418 |
Service code 26 · EIN 95-4670255 | Advisory (Participants) | $22,029 |
PRIVATE ADVISOR GROUP LLC2+ years Service code 26 · EIN 27-3463733 | Advisory (Participants) | $20,468 |
WATERLOO CAPITAL1 year Filed as: WATERLOO CAPITAL LP Service code 26 · EIN 20-1788544 | Advisory (Participants) | $17,365 |
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 | $553,729 | $50,127+1004.7% | $149,673+270.0% | $80,160+590.8% |
| Participation rate | 96.0% | 64.3%+31.7pp | 78.8%+17.2pp | 72.9%+23.1pp |
| Annual return | 22.35% | 29.82%-7.5pp | 134.42%-112.1pp | 40.38%-18.0pp |
| Employer contribution / active EE | $30,605 | $1,865+1541.4% | $4,818+535.3% | $2,978+927.8% |
| Participant deferral / active EE | $22,260 | $3,194+597.0% | $5,680+291.9% | $5,017+343.7% |
| Admin fee / account holder | $355 | $153+132.3% | $13,210-97.3% | $145+144.7% |