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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.4+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 26 · EIN 34-1479833 | Advisory (Participants) | $125,753 |
PATTEN & PATTEN INC.4+ years Service code 26 · EIN 62-0968572 | Advisory (Participants) | $23,042 |
Service code 26 · EIN 56-1572921 | Advisory (Participants) | $9,071 |
CHARLES SCHWAB & CO., INC.4+ years Service code 33 · EIN 94-1737782 | Direct payment from the plan; Other i... | $4,082 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $1 |
CHARLES SCHWAB & CO., INC.4+ years Filed as: CHARLES SCHWAB & CO INC AND AFFIL Service code 59 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $127,992 | $37,196+244.1% | $154,111-16.9% | $55,725+129.7% |
| Participation rate | 68.4% | 64.1%+4.3pp | 83.0%-14.6pp | 70.9%-2.5pp |
| Annual return | -4.01% | 1319.68%-1323.7pp | 735.18%-739.2pp | 244.93%-248.9pp |
| Employer contribution / active EE | $5,194 | $1,614+221.8% | $5,298-2.0% | $2,078+149.9% |
| Participant deferral / active EE | $3,602 | $2,068+74.2% | $5,081-29.1% | $3,356+7.3% |
| Admin fee / account holder | $450 | $102+343.1% | $13,411-96.6% | $115+290.8% |