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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.4 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $68,539 |
TERRY MCDANIEL & COMPANY7 years Service code 26 · EIN 74-2362799 | Advisory (Participants) | $25,358 |
B&T CAPITAL MANAGEMENT INC3 years Service code 26 · EIN 04-3688515 | Advisory (Participants) | $16,741 |
HIGHTOWER ADVISORS LLC2 years Service code 26 · EIN 36-4500709 | Advisory (Participants) | $8,084 |
CHARLES SCHWAB & CO., INC.5 years Service code 33 · EIN 94-1737782 | Direct payment from the plan; Securit... | $162 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $280,896 | $84,499+232.4% | $125,391+124.0% | $66,949+319.6% |
| Participation rate | 91.4% | 76.4%+15.0pp | 82.4%+9.0pp | 69.8%+21.6pp |
| Annual return | -12.43% | -8.49%-3.9pp | 572.41%-584.8pp | 1.57%-14.0pp |
| Employer contribution / active EE | $14,994 | $3,554+321.9% | $4,816+211.4% | $2,545+489.1% |
| Participant deferral / active EE | $11,673 | $6,785+72.0% | $7,448+56.7% | $4,239+175.4% |
| Admin fee / account holder | $686 | $685+0.1% | $10,009-93.1% | $594+15.5% |