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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SCHWAB RETIREMENT PLAN SERVICES, IN Service code 15 · EIN 34-1479833 | Recordkeeping | $46,358 |
Filed as: MORGAN STANLEY CAPITAL MANAGE Service code 28 · EIN 11-3658445 | Investment Management | $34,891 |
COOK STREET CONSULTING1 year Filed as: COOK STREET CONSULTING, INC Service code 28 · EIN 84-0854432 | Investment Management | $33,875 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $309,279 | $101,672+204.2% | $147,117+110.2% | $74,478+315.3% |
| Participation rate | 93.0% | 75.5%+17.4pp | 82.2%+10.8pp | 67.2%+25.8pp |
| Annual return | 15.71% | 8757.83%-8742.1pp | 420.54%-404.8pp | 1370.56%-1354.8pp |
| Employer contribution / active EE | $5,214 | $3,813+36.7% | $4,932+5.7% | $2,626+98.5% |
| Participant deferral / active EE | $10,278 | $7,305+40.7% | $8,065+27.5% | $4,350+136.3% |
| Admin fee / account holder | $496 | $1,753-71.7% | $12,993-96.2% | $1,946-74.5% |