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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC7+ years Filed as: CAPFINANCIAL PARTNERS, LLC Service code 28 · EIN 26-0058143 | Investment Management | $50,000 |
CASCADES CAPITAL LLC4 years Service code 26 · EIN 46-2208047 | Advisory (Participants) | $35,716 |
FORVIS, LLP1 year Service code 10 · EIN 44-0160260 | Accounting | $12,430 |
Filed as: VESTIA ADVISORS LLC Service code 26 · EIN 82-1828832 | Advisory (Participants) | $7,062 |
CHARLES SCHWAB & CO., INC.4 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $6,116 |
CHARLES SCHWAB & CO., INC.3 years Service code 33 · EIN 94-1737782 | Float revenue; Shareholder servicing ... | $245 |
CHARLES SCHWAB & CO., INC.7+ years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $444,654 | $61,172+626.9% | $185,851+139.3% | $79,389+460.1% |
| Participation rate | 100.0% | 66.6%+33.4pp | 81.7%+18.3pp | 70.7%+29.3pp |
| Annual return | 15.18% | 19.45%-4.3pp | 122.11%-106.9pp | 116.89%-101.7pp |
| Employer contribution / active EE | $12,636 | $2,321+444.5% | $5,168+144.5% | $2,428+420.5% |
| Participant deferral / active EE | $8,421 | $2,788+202.0% | $5,569+51.2% | $4,046+108.1% |
| Admin fee / account holder | $444 | $710-37.5% | $16,245-97.3% | $626-29.2% |