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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC2+ years Filed as: CAPFINANCIAL PARTNERS, LLC Service code 28 · EIN 26-0058143 | Investment Management | $60,449 |
Service code 10 · EIN 56-1185595 | Accounting | $10,550 |
Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $5,260 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB & CO. INC. Service code 33 · EIN 94-1737782 | Securities brokerage; Shareholder ser... | $2,739 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $290,954 | $46,732+522.6% | $156,551+85.9% | $55,167+427.4% |
| Participation rate | 98.8% | 65.8%+33.0pp | 84.0%+14.8pp | 69.0%+29.9pp |
| Annual return | 6.11% | 17.72%-11.6pp | 32.23%-26.1pp | 169.23%-163.1pp |
| Employer contribution / active EE | $13,494 | $2,105+541.0% | $5,501+145.3% | $1,963+587.6% |
| Participant deferral / active EE | $8,425 | $2,204+282.2% | $4,871+72.9% | $3,054+175.8% |
| Admin fee / account holder | $385 | $418-8.0% | $13,028-97.0% | $504-23.6% |