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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; Direct pa... | $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 | $54,690+765.8% | $76,030+522.8% | $74,478+535.8% |
| Participation rate | 81.3% | 60.3%+21.0pp | 69.1%+12.3pp | 67.2%+14.1pp |
| Annual return | 12.20% | 31.92%-19.7pp | 361.54%-349.3pp | 1370.56%-1358.4pp |
| Employer contribution / active EE | $13,493 | $1,781+657.6% | $2,688+402.1% | $2,626+413.8% |
| Participant deferral / active EE | $7,360 | $3,070+139.7% | $4,257+72.9% | $4,350+69.2% |
| Admin fee / account holder | $942 | $2,240-58.0% | $6,421-85.3% | $1,946-51.6% |