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| Provider | Service type | Compensation |
|---|---|---|
DMJ & CO., PLLC1 year Filed as: DMJ WEALTH ADVISORS, LLC Service code 26 · EIN 56-0570567 | Advisory (Participants) | $43,058 |
CHARLES SCHWAB & CO., INC.6 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967289 | Securities Custodian | $5,454 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,355 | $61,166+29.7% | $185,849-57.3% | $79,3910% |
| Participation rate | 100.0% | 66.6%+33.4pp | 81.7%+18.3pp | 70.7%+29.3pp |
| Annual return | 10.81% | 19.45%-8.6pp | 122.10%-111.3pp | 116.88%-106.1pp |
| Employer contribution / active EE | $2,522 | $2,321+8.7% | $5,169-51.2% | $2,428+3.9% |
| Participant deferral / active EE | $3,545 | $2,789+27.1% | $5,569-36.3% | $4,046-12.4% |
| Admin fee / account holder | $338 | $710-52.3% | $16,244-97.9% | $627-46.0% |