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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.7 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $90,790 |
PRIVATE OCEAN1 year Service code 26 · EIN 20-5742052 | Advisory (Participants) | $5,898 |
CHARLES SCHWAB & CO., INC.10+ years Service code 33 · EIN 94-1737782 | Shareholder servicing fees; Securitie... | $454 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO.INC. AND AFFIL Service code 59 | 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).
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 | $473,506 | $54,558+767.9% | $76,002+523.0% | $74,546+535.2% |
| Participation rate | 81.3% | 60.3%+21.0pp | 69.1%+12.3pp | 67.2%+14.1pp |
| Annual return | 12.20% | 31.83%-19.6pp | 360.07%-347.9pp | 1366.03%-1353.8pp |
| Employer contribution / active EE | $13,493 | $1,778+659.0% | $2,688+401.9% | $2,624+414.2% |
| Participant deferral / active EE | $7,360 | $3,065+140.1% | $4,257+72.9% | $4,347+69.3% |
| Admin fee / account holder | $942 | $2,232-57.8% | $6,414-85.3% | $1,944-51.5% |