| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.5+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $117,207 |
CAPWEALTH ADVISORS LLC2 years Service code 26 · EIN 26-3565415 | Advisory (Participants) | $60,614 |
Service code 28 · EIN 26-0058143 | Investment Management | $60,000 |
HIGHTOWER ADVISORS LLC3 years Service code 26 · EIN 36-4500709 | Advisory (Participants) | $57,538 |
THE WELCH GROUP5+ years Service code 26 · EIN 63-1231262 | Advisory (Participants) | $28,544 |
Filed as: THOROUGHBRED FINANCIAL SERV Service code 26 · EIN 62-1784717 | Advisory (Participants) | $28,459 |
WELCH HORNSBY & WELCH INC2 years Service code 26 · EIN 63-0969069 | Advisory (Participants) | $21,920 |
WUNDERLICH SECURITIES, INC.2 years Filed as: WUNDERLICH SECURITIES Service code 26 · EIN 62-1518255 | Advisory (Participants) | $19,500 |
Filed as: CITY NATIONAL ROCHDALE LLC Service code 26 · EIN 13-3360819 | Advisory (Participants) | $19,275 |
BRIDGEWORTH LLC3 years Service code 26 · EIN 26-3162378 | Advisory (Participants) | $16,837 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $382,723 | $88,122+334.3% | $141,200+171.1% | $67,584+466.3% |
| Participation rate | 98.3% | 76.5%+21.9pp | 82.5%+15.8pp | 71.3%+27.0pp |
| Annual return | 20.60% | 75.40%-54.8pp | 71.41%-50.8pp | 378.59%-358.0pp |
| Employer contribution / active EE | $12,705 | $3,224+294.0% | $4,736+168.2% | $2,148+491.5% |
| Participant deferral / active EE | $10,436 | $5,958+75.2% | $6,710+55.5% | $3,540+194.8% |
| Admin fee / account holder | $433 | $131+230.8% | $10,265-95.8% | $142+204.3% |