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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 | $101,539+204.6% | $147,041+110.3% | $74,400+315.7% |
| Participation rate | 93.0% | 75.5%+17.5pp | 82.2%+10.8pp | 67.2%+25.8pp |
| Annual return | 15.71% | 8740.84%-8725.1pp | 419.21%-403.5pp | 1367.51%-1351.8pp |
| Employer contribution / active EE | $5,214 | $3,811+36.8% | $4,935+5.7% | $2,624+98.7% |
| Participant deferral / active EE | $10,278 | $7,304+40.7% | $8,071+27.4% | $4,348+136.4% |
| Admin fee / account holder | $496 | $1,749-71.6% | $13,006-96.2% | $1,944-74.5% |