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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ENVESTNET ASSET MANAGEMENT INC Service code 26 · EIN 36-4319587 | Advisory (Participants) | $48,132 |
CHARLES SCHWAB & CO., INC.4 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $35,141 |
CHARLES SCHWAB & CO., INC.7+ years Service code 33 · EIN 94-1737782 | Securities brokerage; Shareholder ser... | $7,245 |
Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL 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 | $182,975 | $95,415+91.8% | $185,851-1.5% | $85,851+113.1% |
| Participation rate | 95.7% | 68.8%+27.0pp | 81.7%+14.0pp | 69.3%+26.4pp |
| Annual return | 10.56% | 23.59%-13.0pp | 122.11%-111.5pp | 318.63%-308.1pp |
| Employer contribution / active EE | $4,149 | $3,314+25.2% | $5,168-19.7% | $2,565+61.7% |
| Participant deferral / active EE | $6,800 | $3,424+98.6% | $5,569+22.1% | $3,952+72.1% |
| Admin fee / account holder | $924 | $7,215-87.2% | $16,245-94.3% | $6,261-85.2% |