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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.5 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $78,998 |
MARYLAND CAPITAL MANAGEMENT8+ years Service code 26 · EIN 20-1819985 | Advisory (Participants) | $5,834 |
CHARLES SCHWAB & CO., INC.8+ years Service code 33 · EIN 94-1737782 | Direct payment from the plan; Securit... | $997 |
CHARLES SCHWAB & CO., INC.4 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 | $421,323 | $63,442+564.1% | $68,794+512.4% | $66,930+529.5% |
| Participation rate | 93.1% | 60.0%+33.1pp | 69.0%+24.0pp | 69.8%+23.3pp |
| Annual return | -13.17% | -8.29%-4.9pp | -6.37%-6.8pp | 1.57%-14.7pp |
| Employer contribution / active EE | $17,549 | $1,775+888.7% | $2,656+560.8% | $2,545+589.5% |
| Participant deferral / active EE | $9,132 | $2,945+210.1% | $3,941+131.7% | $4,238+115.5% |
| Admin fee / account holder | $739 | $577+28.0% | $4,934-85.0% | $593+24.5% |