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| Provider | Service type | Compensation |
|---|---|---|
CASCADES CAPITAL LLC6 years Service code 26 · EIN 46-2208047 | Advisory (Participants) | $36,956 |
Filed as: CAP FINANCIAL PARTNERS LLC Service code 28 · EIN 26-0058143 | Investment Management | $36,000 |
FORVIS, LLP3 years Service code 10 · EIN 44-0160260 | Accounting | $13,860 |
SUNTRUST BANKS, INC.1 year Filed as: TRUIST BANK Service code 28 · EIN 56-1074313 | Investment Management | $12,000 |
CHARLES SCHWAB & CO., INC.6 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $11,945 |
Filed as: PHILLIPS FINANCIAL MANAGEMENT Service code 26 · EIN 20-1131890 | Advisory (Participants) | $7,451 |
Filed as: CHARLES SCHWAB & CO.,INC Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $200 |
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 | $419,959 | $61,391+584.1% | $149,723+180.5% | $71,529+487.1% |
| Participation rate | 98.6% | 62.5%+36.1pp | 78.8%+19.9pp | 67.9%+30.7pp |
| Annual return | 19.21% | 35.88%-16.7pp | 134.50%-115.3pp | 28.97%-9.8pp |
| Employer contribution / active EE | $15,443 | $2,384+547.9% | $4,821+220.3% | $2,590+496.3% |
| Participant deferral / active EE | $10,289 | $2,921+252.3% | $5,682+81.1% | $4,291+139.8% |
| Admin fee / account holder | $441 | $1,264-65.1% | $13,215-96.7% | $1,588-72.2% |