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| Provider | Service type | Compensation |
|---|---|---|
PERSONAL FINANCIAL PROFILES4+ years Service code 26 · EIN 65-0267891 | Advisory (Participants) | $94,903 |
Filed as: PERSONAL FINANCIAL PROFILES, INC. Service code 28 · EIN 65-0267591 | Investment Management | $11,085 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO., INC Service code 33 · EIN 94-1737782 | Securities brokerage; Shareholder ser... | $932 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO INC AND AFFILIA 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 | $90,572 | $47,977+88.8% | $154,108-41.2% | $56,289+60.9% |
| Participation rate | 98.0% | 66.2%+31.9pp | 83.0%+15.0pp | 69.9%+28.2pp |
| Annual return | -4.47% | 3.54%-8.0pp | 735.21%-739.7pp | -9.96%+5.5pp |
| Employer contribution / active EE | $5,682 | $2,169+162.0% | $5,298+7.3% | $2,111+169.2% |
| Participant deferral / active EE | $2,660 | $2,392+11.2% | $5,081-47.6% | $3,350-20.6% |
| Admin fee / account holder | $605 | $438+38.0% | $13,411-95.5% | $521+16.1% |