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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.5 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $63,864 |
TERRY MCDANIEL & COMPANY8 years Service code 26 · EIN 74-2362799 | Advisory (Participants) | $24,988 |
CROWE LLP1 year Service code 10 · EIN 35-0921680 | Accounting | $18,900 |
B&T CAPITAL MANAGEMENT INC4 years Service code 26 · EIN 04-3688515 | Advisory (Participants) | $17,689 |
HIGHTOWER ADVISORS LLC3 years Service code 26 · EIN 36-4500709 | Advisory (Participants) | $8,021 |
CHARLES SCHWAB & CO., INC.6 years Service code 33 · EIN 94-1737782 | Securities brokerage; Securities brok... | $129 |
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 | $325,381 | $91,474+255.7% | $135,982+139.3% | $71,529+354.9% |
| Participation rate | 87.4% | 75.7%+11.7pp | 81.9%+5.5pp | 67.9%+19.5pp |
| Annual return | 14.35% | 29.89%-15.5pp | 68.32%-54.0pp | 28.97%-14.6pp |
| Employer contribution / active EE | $15,367 | $3,705+314.7% | $4,859+216.3% | $2,590+493.4% |
| Participant deferral / active EE | $11,960 | $7,095+68.6% | $7,760+54.1% | $4,291+178.7% |
| Admin fee / account holder | $750 | $1,267-40.8% | $10,767-93.0% | $1,588-52.8% |