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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 | Float revenue; Direct payment from th... | $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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $123,018 | $65,061+89.1% | $143,757-14.4% | $66,914+83.8% |
| Participation rate | 98.7% | 65.2%+33.6pp | 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 | $2,361+143.8% | $4,951+16.3% | $2,544+126.2% |
| Participant deferral / active EE | $3,933 | $2,919+34.7% | $5,637-30.2% | $4,237-7.2% |
| Admin fee / account holder | $850 | $502+69.3% | $14,673-94.2% | $593+43.2% |