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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.8+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $81,036 |
WILLIAM BLAIR4 years Filed as: WILLIAM E. HAMM & ASSOCIATES, INC. Service code 25 · EIN 59-3331424 | Directed Trustee | $53,881 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $80,426 | $71,142+13.1% | $119,634-32.8% | $64,824+24.1% |
| Participation rate | 67.7% | 78.6%-10.9pp | 79.3%-11.5pp | 71.5%-3.7pp |
| Annual return | -12.77% | -10.01%-2.8pp | -14.98%+2.2pp | 32.84%-45.6pp |
| Employer contribution / active EE | $4,726 | $2,497+89.2% | $4,232+11.7% | $2,507+88.5% |
| Participant deferral / active EE | $2,877 | $4,490-35.9% | $5,601-48.6% | $4,311-33.3% |
| Admin fee / account holder | $324 | $162+100.1% | $10,329-96.9% | $188+72.7% |