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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.3 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $75,674 |
B&T CAPITAL MANAGEMENT INC2 years Service code 26 · EIN 04-3688515 | Advisory (Participants) | $17,213 |
THE MATHER GROUP LLC1 year Service code 26 · EIN 47-2381165 | Advisory (Participants) | $11,594 |
HIGHTOWER ADVISORS LLC1 year Service code 26 · EIN 36-4500709 | Advisory (Participants) | $9,805 |
TERRY MCDANIEL & COMPANY6 years Service code 26 · EIN 74-2362799 | Advisory (Participants) | $6,624 |
CHARLES SCHWAB & CO., INC.4 years Service code 33 · EIN 94-1737782 | Securities brokerage commissions and ... | $322 |
CHARLES SCHWAB & CO., INC.2 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.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $357,984 | $104,497+242.6% | $159,487+124.5% | $79,389+350.9% |
| Participation rate | 95.8% | 76.6%+19.2pp | 82.8%+13.0pp | 70.7%+25.1pp |
| Annual return | 12.23% | 67.98%-55.8pp | 263.71%-251.5pp | 116.89%-104.7pp |
| Employer contribution / active EE | $14,010 | $3,418+309.9% | $4,831+190.0% | $2,428+477.0% |
| Participant deferral / active EE | $10,723 | $6,468+65.8% | $7,354+45.8% | $4,046+165.0% |
| Admin fee / account holder | $707 | $711-0.6% | $10,804-93.5% | $626+12.9% |