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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.6 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $70,800 |
Filed as: B&T CAPITAL MANAGEMENT INCORPO Service code 26 · EIN 04-3688515 | Advisory (Participants) | $34,369 |
TERRY MCDANIEL & COMPANY9 years Service code 26 · EIN 74-2362799 | Advisory (Participants) | $26,272 |
HIGHTOWER ADVISORS LLC4 years Service code 26 · EIN 36-4500709 | Advisory (Participants) | $8,730 |
CROWE LLP2 years Service code 10 · EIN 35-0921680 | Accounting | $7,875 |
CHARLES SCHWAB & CO., INC.7 years Service code 33 · EIN 94-1737782 | Float revenue; Other investment fees ... | $322 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $341,719 | $101,653+236.2% | $147,080+132.3% | $74,459+358.9% |
| Participation rate | 94.9% | 75.6%+19.3pp | 82.2%+12.7pp | 67.2%+27.7pp |
| Annual return | 12.05% | 8754.98%-8742.9pp | 420.17%-408.1pp | 1369.70%-1357.7pp |
| Employer contribution / active EE | $14,093 | $3,813+269.6% | $4,933+185.7% | $2,626+436.7% |
| Participant deferral / active EE | $12,347 | $7,304+69.0% | $8,066+53.1% | $4,350+183.9% |
| Admin fee / account holder | $783 | $1,752-55.3% | $12,989-94.0% | $1,945-59.7% |