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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $70,189 |
CHARLES SCHWAB & CO., INC.3+ years Service code 33 · EIN 94-1737782 | Securities brokerage; Securities brok... | $1,772 |
Filed as: CHARLES SCHWAB BANK Service code 25 · EIN 42-1558009 | Directed Trustee | $1 |
CHARLES SCHWAB & CO., INC.3+ 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.)
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 | $310,672 | $84,236+268.8% | $170,435+82.3% | $70,126+343.0% |
| Participation rate | 96.9% | 70.8%+26.1pp | 83.6%+13.3pp | 69.5%+27.4pp |
| Annual return | 14.82% | 23.06%-8.2pp | 205.94%-191.1pp | 73.15%-58.3pp |
| Employer contribution / active EE | $16,151 | $3,387+376.8% | $5,432+197.3% | $2,343+589.5% |
| Participant deferral / active EE | $12,400 | $3,086+301.9% | $4,939+151.0% | $3,332+272.2% |
| Admin fee / account holder | $484 | $5,698-91.5% | $13,881-96.5% | $4,645-89.6% |