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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.10+ years Service code 21 · EIN 94-1737782 | Bank Trustee | $181,407 |
WHELAN FINANCIAL8 years Service code 26 · EIN 26-0262268 | Advisory (Participants) | $89,326 |
Filed as: SPECTRUM PENSION CONSULTANTS Service code 15 · EIN 91-1035498 | Recordkeeping | $49,313 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $289,150 | $55,470+421.3% | $155,556+85.9% | $74,478+288.2% |
| Participation rate | 87.8% | 61.9%+25.9pp | 78.2%+9.6pp | 67.2%+20.6pp |
| Annual return | 12.45% | 269.80%-257.4pp | 64.84%-52.4pp | 1370.56%-1358.1pp |
| Employer contribution / active EE | $9,642 | $2,267+325.4% | $4,675+106.2% | $2,626+267.1% |
| Participant deferral / active EE | $6,675 | $2,838+135.2% | $5,631+18.5% | $4,350+53.4% |
| Admin fee / account holder | $1,193 | $1,744-31.6% | $15,885-92.5% | $1,946-38.7% |