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| Provider | Service type | Compensation |
|---|---|---|
COOK STREET CONSULTING4 years Service code 28 · EIN 84-0854432 | Investment Management | $63,136 |
CHARLES SCHWAB & CO., INC.2 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $45,980 |
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 | $266,017 | $84,493+214.8% | $125,381+112.2% | $66,938+297.4% |
| Participation rate | 91.7% | 76.4%+15.3pp | 82.4%+9.3pp | 69.8%+21.9pp |
| Annual return | -12.85% | -8.49%-4.4pp | 572.31%-585.2pp | 1.58%-14.4pp |
| Employer contribution / active EE | $4,529 | $3,554+27.4% | $4,815-5.9% | $2,545+77.9% |
| Participant deferral / active EE | $9,944 | $6,783+46.6% | $7,448+33.5% | $4,238+134.6% |
| Admin fee / account holder | $489 | $685-28.6% | $10,007-95.1% | $594-17.6% |