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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.4 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $75,823 |
MARYLAND CAPITAL MANAGEMENT7+ years Service code 26 · EIN 20-1819985 | Advisory (Participants) | $13,302 |
CHARLES SCHWAB & CO., INC.7+ years Service code 33 · EIN 94-1737782 | Direct payment from the plan; Shareho... | $1,172 |
CHARLES SCHWAB & CO., INC.3 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.)
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 | $532,646 | $60,788+776.2% | $85,709+521.5% | $79,391+570.9% |
| Participation rate | 93.8% | 62.1%+31.6pp | 69.9%+23.9pp | 70.7%+23.0pp |
| Annual return | 14.35% | 16.57%-2.2pp | 21.49%-7.1pp | 116.88%-102.5pp |
| Employer contribution / active EE | $17,361 | $1,664+943.0% | $2,619+563.0% | $2,428+615.1% |
| Participant deferral / active EE | $9,042 | $2,920+209.6% | $3,924+130.5% | $4,046+123.5% |
| Admin fee / account holder | $772 | $439+75.8% | $6,876-88.8% | $627+23.1% |