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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.11+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $205,814 |
ABACUS PLANNING GROUP INC8 years Service code 26 · EIN 56-2074442 | Advisory (Participants) | $123,585 |
CCM INVESTMENT ADVISERS LLC9 years Service code 26 · EIN 57-1127313 | Advisory (Participants) | $104,985 |
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO BANK Service code 28 · EIN 94-1347393 | Investment Management | $85,399 |
LMCG INVESTMENTS LLC11+ years Service code 26 · EIN 27-0282607 | Advisory (Participants) | $76,656 |
Filed as: BUCKHEAD CAPITAL MANAGEMENT LL Service code 26 · EIN 58-2552872 | Advisory (Participants) | $43,925 |
V M MANNING & CO INC11+ years Service code 26 · EIN 57-0402697 | Advisory (Participants) | $33,868 |
HB WEALTH MANAGEMENT LLC3 years Service code 26 · EIN 87-2119854 | Advisory (Participants) | $22,809 |
Filed as: COMMONWEALTH EQUITY SERVICES I Service code 26 · EIN 04-2675571 | Advisory (Participants) | $21,988 |
Service code 26 · EIN 47-4133246 | Advisory (Participants) | $21,644 |
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.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $278,191 | $145,877+90.7% | $150,045+85.4% | $102,872+170.4% |
| Participation rate | 94.4% | 79.8%+14.6pp | 82.3%+12.1pp | 73.0%+21.4pp |
| Annual return | 15.63% | 21.37%-5.7pp | 62.55%-46.9pp | 19.06%-3.4pp |
| Employer contribution / active EE | $10,412 | $4,710+121.1% | $4,693+121.9% | $3,526+195.3% |
| Participant deferral / active EE | $12,474 | $9,491+31.4% | $7,997+56.0% | $5,535+125.4% |
| Admin fee / account holder | $312 | $176+77.7% | $13,435-97.7% | $292+6.9% |