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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 | $57,874 |
MARYLAND CAPITAL MANAGEMENT6+ years Service code 26 · EIN 20-1819985 | Advisory (Participants) | $12,744 |
CHARLES SCHWAB & CO., INC.6+ years Service code 33 · EIN 94-1737782 | Securities brokerage; Other investmen... | $1,608 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO INC AND AFFILIA Service code 59 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $459,455 | $55,636+725.8% | $81,982+460.4% | $73,497+525.1% |
| Participation rate | 93.6% | 62.3%+31.3pp | 69.3%+24.3pp | 70.7%+22.9pp |
| Annual return | 9.99% | 19.07%-9.1pp | 41.31%-31.3pp | 28.51%-18.5pp |
| Employer contribution / active EE | $16,841 | $1,625+936.7% | $2,498+574.1% | $2,270+641.9% |
| Participant deferral / active EE | $8,645 | $2,762+213.0% | $3,722+132.2% | $3,740+131.2% |
| Admin fee / account holder | $592 | $493+20.1% | $5,665-89.6% | $513+15.3% |