Filed July 23, 2025
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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.6 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $34,257 |
MOSS ADAMS LLP7+ years Service code 10 · EIN 91-0189318 | Accounting | $27,300 |
CHARLES SCHWAB & CO., INC.7+ years Service code 33 · EIN 94-1737782 | Shareholder servicing fees; Securitie... | $1,498 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $252,392 | $86,897+190.5% | $151,634+66.4% | $64,829+289.3% |
| Participation rate | 98.2% | 87.3%+10.9pp | 87.5%+10.7pp | 71.5%+26.7pp |
| Annual return | -18.23% | -3.57%-14.7pp | 3.32%-21.5pp | 32.85%-51.1pp |
| Employer contribution / active EE | $9,900 | $4,010+146.9% | $6,165+60.6% | $2,507+294.9% |
| Participant deferral / active EE | $17,569 | $6,690+162.6% | $8,363+110.1% | $4,312+307.5% |
| Admin fee / account holder | $62 | $153-59.4% | $11,614-99.5% | $188-67.0% |