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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY GLOBAL Service code 28 · EIN 26-4310632 | Investment Management | $60,444 |
CHARLES SCHWAB & CO., INC.4 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $57,259 |
CHARLES SCHWAB & CO., INC.9+ years Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $4 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $214,852 | $71,523+200.4% | $98,461+118.2% | $71,511+200.4% |
| Participation rate | 97.9% | 72.7%+25.2pp | 75.2%+22.7pp | 67.9%+29.9pp |
| Annual return | 17.03% | 32.43%-15.4pp | 21.17%-4.1pp | 28.86%-11.8pp |
| Employer contribution / active EE | $4,560 | $2,399+90.0% | $3,049+49.6% | $2,589+76.1% |
| Participant deferral / active EE | $9,880 | $4,109+140.5% | $4,738+108.5% | $4,291+130.3% |
| Admin fee / account holder | $454 | $1,676-72.9% | $8,961-94.9% | $1,588-71.4% |