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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $57,660 |
DIVERSIFIED PORTFOLIO MGT LLC3+ years Service code 26 · EIN 20-4023105 | Advisory (Participants) | $14,749 |
APPROPRIATE BALANCE FINANCIAL3+ years Service code 26 · EIN 91-1261517 | Advisory (Participants) | $12,226 |
CHARLES SCHWAB & CO., INC.3+ years Service code 33 · EIN 94-1737782 | Direct payment from the plan; Securit... | $907 |
CHARLES SCHWAB & CO., INC.3+ 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 | $121,149 | $55,453+118.5% | $170,435-28.9% | $62,293+94.5% |
| Participation rate | 95.9% | 66.4%+29.5pp | 83.6%+12.3pp | 69.5%+26.4pp |
| Annual return | 12.51% | 21.38%-8.9pp | 205.94%-193.4pp | 28.90%-16.4pp |
| Employer contribution / active EE | $2,239 | $2,164+3.5% | $5,432-58.8% | $2,042+9.6% |
| Participant deferral / active EE | $3,905 | $2,303+69.6% | $4,939-20.9% | $3,169+23.2% |
| Admin fee / account holder | $428 | $455-5.9% | $13,881-96.9% | $479-10.7% |