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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.6+ years Service code 51 · EIN 94-1737782 | Investment Mgmt Fees | $161,794 |
WHELAN FINANCIAL4 years Service code 26 · EIN 26-0262268 | Advisory (Participants) | $67,417 |
Filed as: SPECTRUM PENSION CONSULTANTS Service code 15 · EIN 91-1035498 | Recordkeeping | $26,958 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $277,191 | $58,895+370.7% | $178,503+55.3% | $73,497+277.1% |
| Participation rate | 98.3% | 66.2%+32.1pp | 81.9%+16.4pp | 70.7%+27.7pp |
| Annual return | 12.05% | 24.86%-12.8pp | 151.12%-139.1pp | 28.51%-16.5pp |
| Employer contribution / active EE | $9,077 | $2,236+306.0% | $5,011+81.1% | $2,270+299.8% |
| Participant deferral / active EE | $6,758 | $2,567+163.3% | $5,202+29.9% | $3,740+80.7% |
| Admin fee / account holder | $1,088 | $400+171.7% | $13,987-92.2% | $513+112.0% |