| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.6+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $99,536 |
CAPFINANCIAL PARTNERS LLC2 years Service code 26 · EIN 26-0058143 | Advisory (Participants) | $95,784 |
HIGHTOWER ADVISORS LLC4 years Service code 26 · EIN 36-4500709 | Advisory (Participants) | $68,226 |
CAPWEALTH ADVISORS LLC3 years Service code 26 · EIN 26-3565415 | Advisory (Participants) | $62,870 |
THE WELCH GROUP6+ years Service code 26 · EIN 63-1231262 | Advisory (Participants) | $31,180 |
RBC GLOBAL ASSET MANAGEMENT2 years Filed as: CITY NATIONAL ROCHDALE LLC Service code 26 · EIN 13-3360819 | Advisory (Participants) | $30,774 |
Filed as: THOROUGHBRED FINANCIAL SERV Service code 26 · EIN 62-1784717 | Advisory (Participants) | $27,654 |
WUNDERLICH SECURITIES, INC.3 years Filed as: WUNDERLICH SECURITIES Service code 26 · EIN 62-1518255 | Advisory (Participants) | $16,681 |
CAMBRIDGE INVESTMENT RESEARCH6+ years Service code 26 · EIN 20-1665305 | Advisory (Participants) | $16,089 |
BRIDGEWORTH LLC4 years Service code 26 · EIN 26-3162378 | Advisory (Participants) | $16,062 |
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 | $429,082 | $100,801+325.7% | $149,751+186.5% | $73,415+484.5% |
| Participation rate | 98.2% | 77.7%+20.5pp | 82.5%+15.7pp | 72.2%+26.0pp |
| Annual return | 13.65% | 265.34%-251.7pp | 276.71%-263.1pp | 59.30%-45.7pp |
| Employer contribution / active EE | $13,787 | $3,312+316.3% | $4,646+196.8% | $2,234+517.2% |
| Participant deferral / active EE | $11,680 | $6,404+82.4% | $6,843+70.7% | $3,806+206.9% |
| Admin fee / account holder | $481 | $181+166.1% | $9,312-94.8% | $158+204.7% |