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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CIBC BANK USA Service code 28 · EIN 36-3722148 | Investment Management | $104,057 |
CHARLES SCHWAB & CO., INC.6 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $95,318 |
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING HOLDCO LLC Service code 28 · EIN 84-4519624 | Investment Management | $84,467 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,231 | $106,230-19.8% | $147,080-42.1% | $77,736+9.6% |
| Participation rate | 77.5% | 78.4%-0.9pp | 82.2%-4.7pp | 70.6%+6.9pp |
| Annual return | 16.86% | 56.91%-40.1pp | 420.17%-403.3pp | 31.26%-14.4pp |
| Employer contribution / active EE | $2,796 | $4,072-31.3% | $4,933-43.3% | $2,728+2.5% |
| Participant deferral / active EE | $10,881 | $8,001+36.0% | $8,066+34.9% | $4,651+134.0% |
| Admin fee / account holder | $363 | $338+7.4% | $12,989-97.2% | $433-16.1% |