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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.1+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES Service code 15 · EIN 34-1479833 | Recordkeeping | $39,221 |
APPROPRIATE BALANCE FINANCIAL1+ years Service code 26 · EIN 91-1261517 | Advisory (Participants) | $13,751 |
DIVERSIFIED PORTFOLIO MGT LLC1+ years Service code 26 · EIN 20-4023105 | Advisory (Participants) | $13,067 |
CHARLES SCHWAB & CO., INC.1+ years Service code 33 · EIN 94-1737782 | Shareholder servicing fees; Securitie... | $2,560 |
CHARLES SCHWAB & CO., INC.1+ years 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.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $106,594 | $46,360+129.9% | $147,617-27.8% | $52,331+103.7% |
| Participation rate | 96.2% | 64.9%+31.3pp | 84.6%+11.6pp | 68.1%+28.1pp |
| Annual return | -1.46% | 1.62%-3.1pp | 61.98%-63.4pp | 4.54%-6.0pp |
| Employer contribution / active EE | $2,211 | $2,126+4.0% | $5,564-60.3% | $1,882+17.5% |
| Participant deferral / active EE | $3,998 | $2,258+77.1% | $4,895-18.3% | $3,022+32.3% |
| Admin fee / account holder | $337 | $766-56.0% | $11,612-97.1% | $592-43.0% |