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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.1+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $94,262 |
PATTEN & PATTEN INC.1+ years Service code 26 · EIN 62-0968672 | Advisory (Participants) | $38,538 |
CHARLES SCHWAB & CO., INC.1+ years Service code 33 · EIN 94-1737782 | Float revenue; Securities brokerage; ... | $6,349 |
CHARLES SCHWAB & CO., INC.1+ years 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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $139,295 | $37,117+275.3% | $147,617-5.6% | $55,191+152.4% |
| Participation rate | 89.0% | 63.6%+25.4pp | 84.6%+4.4pp | 69.2%+19.8pp |
| Annual return | -0.03% | 3.44%-3.5pp | 61.98%-62.0pp | 10.78%-10.8pp |
| Employer contribution / active EE | $6,296 | $1,620+288.5% | $5,564+13.1% | $1,899+231.6% |
| Participant deferral / active EE | $4,275 | $1,985+115.3% | $4,895-12.7% | $3,046+40.3% |
| Admin fee / account holder | $416 | $86+386.4% | $11,612-96.4% | $91+358.5% |