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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.7+ years Service code 51 · EIN 94-1737782 | Investment Mgmt Fees | $164,835 |
WHELAN FINANCIAL5 years Service code 26 · EIN 26-0262268 | Advisory (Participants) | $75,392 |
Filed as: SPECTRUM PENSION CONSULTANTS Service code 15 · EIN 91-1035498 | Recordkeeping | $29,328 |
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 | $313,711 | $61,172+412.8% | $185,851+68.8% | $79,389+295.2% |
| Participation rate | 94.1% | 66.6%+27.5pp | 81.7%+12.4pp | 70.7%+23.4pp |
| Annual return | 13.76% | 19.45%-5.7pp | 122.11%-108.4pp | 116.89%-103.1pp |
| Employer contribution / active EE | $8,598 | $2,321+270.5% | $5,168+66.4% | $2,428+254.1% |
| Participant deferral / active EE | $6,493 | $2,788+132.9% | $5,569+16.6% | $4,046+60.5% |
| Admin fee / account holder | $1,129 | $710+59.0% | $16,245-93.1% | $626+80.2% |