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| Provider | Service type | Compensation |
|---|---|---|
CAPFINANCIAL PARTNERS LLC8+ years Filed as: CAPFINANCIAL PARTNERS, LLC Service code 28 · EIN 26-0058143 | Investment Management | $54,000 |
CASCADES CAPITAL LLC5 years Service code 26 · EIN 46-2208047 | Advisory (Participants) | $36,194 |
FORVIS, LLP2 years Service code 10 · EIN 44-0160260 | Accounting | $12,600 |
CHARLES SCHWAB & CO., INC.5 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $6,488 |
Filed as: PHILLIPS FINANCIAL MANAGEMENT Service code 26 · EIN 20-1131890 | Advisory (Participants) | $5,745 |
CHARLES SCHWAB & CO., INC.4 years Service code 33 · EIN 94-1737782 | Shareholder servicing fees; Securitie... | $467 |
CHARLES SCHWAB & CO., INC.8+ 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $360,104 | $65,125+452.9% | $143,797+150.4% | $66,949+437.9% |
| Participation rate | 99.5% | 65.2%+34.3pp | 80.3%+19.2pp | 69.8%+29.7pp |
| Annual return | -18.17% | -11.13%-7.0pp | -0.04%-18.1pp | 1.57%-19.7pp |
| Employer contribution / active EE | $13,584 | $2,362+475.0% | $4,952+174.3% | $2,545+433.7% |
| Participant deferral / active EE | $9,215 | $2,920+215.6% | $5,638+63.4% | $4,239+117.4% |
| Admin fee / account holder | $449 | $503-10.6% | $14,679-96.9% | $594-24.3% |