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| Provider | Service type | Compensation |
|---|---|---|
PERSONAL FINANCIAL PROFILES8+ years Service code 26 · EIN 65-0267891 | Advisory (Participants) | $143,418 |
WELLS FARGO BANK, N.A.6 years Filed as: WELLS FARGO BANK Service code 28 · EIN 94-1347393 | Investment Management | $17,629 |
CHARLES SCHWAB & CO., INC.6 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $7,092 |
CHARLES SCHWAB & CO., INC.6 years Filed as: CHARLES SCHWAB & CO., INC Service code 33 · EIN 94-1737782 | Direct payment from the plan; Securit... | $547 |
CHARLES SCHWAB & CO., INC.6 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $123,018 | $65,092+89.0% | $143,799-14.5% | $66,938+83.8% |
| Participation rate | 98.7% | 65.2%+33.5pp | 80.3%+18.4pp | 69.8%+28.9pp |
| Annual return | -18.57% | -11.14%-7.4pp | -0.04%-18.5pp | 1.58%-20.2pp |
| Employer contribution / active EE | $5,756 | $2,362+143.7% | $4,952+16.2% | $2,545+126.1% |
| Participant deferral / active EE | $3,933 | $2,920+34.7% | $5,638-30.3% | $4,238-7.2% |
| Admin fee / account holder | $850 | $502+69.1% | $14,677-94.2% | $594+43.1% |