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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.8+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $86,804 |
FTB ADVISORS, INC.6 years Filed as: FTB ADVISORS INC Service code 28 · EIN 62-1254528 | Investment Management | $30,018 |
PROFFITT & GOODSON, INC.6 years Filed as: PROFFITT & GOODSON INC Service code 26 · EIN 62-1284128 | Advisory (Participants) | $17,603 |
Filed as: MERIDIAN TRUST & INVESTMENT CO Service code 26 · EIN 62-1700796 | Advisory (Participants) | $14,594 |
CHARLES SCHWAB & CO., INC.8+ years Service code 33 · EIN 94-1737782 | Securities brokerage; Direct payment ... | $1,238 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO.INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
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 | $397,037 | $55,437+616.2% | $155,534+155.3% | $74,459+433.2% |
| Participation rate | 76.3% | 61.9%+14.4pp | 78.2%-2.0pp | 67.2%+9.0pp |
| Annual return | 14.28% | 269.58%-255.3pp | 64.92%-50.6pp | 1369.70%-1355.4pp |
| Employer contribution / active EE | $11,769 | $2,266+419.4% | $4,675+151.8% | $2,626+348.2% |
| Participant deferral / active EE | $8,973 | $2,837+216.2% | $5,630+59.4% | $4,350+106.3% |
| Admin fee / account holder | $567 | $1,742-67.5% | $15,900-96.4% | $1,945-70.8% |