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| Provider | Service type | Compensation |
|---|---|---|
CREATIVE PLANNING LLC2 years Filed as: CREATIVE PLANNING HOLDCO LLC Service code 28 · EIN 84-4519624 | Investment Management | $90,961 |
RBC GLOBAL ASSET MANAGEMENT2 years Filed as: CITY NATIONAL ROCHDALE LLC Service code 26 · EIN 20-2931739 | Advisory (Participants) | $64,487 |
CHARLES SCHWAB & CO., INC.2 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $48,303 |
HIGHTOWER ADVISORS LLC1 year Service code 26 · EIN 36-4500709 | Advisory (Participants) | $6,272 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT SERVICE Service code 26 · EIN 36-4410122 | Advisory (Participants) | $5,030 |
CHARLES SCHWAB & CO., INC.2 years Service code 33 · EIN 94-1737782 | Direct payment from the plan; Securit... | $1,240 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $83,377 | $50,812+64.1% | $155,602-46.4% | $77,692+7.3% |
| Participation rate | 75.5% | 63.1%+12.4pp | 78.2%-2.7pp | 70.6%+4.9pp |
| Annual return | 20.33% | 34.85%-14.5pp | 64.81%-44.5pp | 31.25%-10.9pp |
| Employer contribution / active EE | $4,116 | $1,989+107.0% | $4,675-12.0% | $2,726+51.0% |
| Participant deferral / active EE | $4,344 | $2,822+53.9% | $5,629-22.8% | $4,648-6.6% |
| Admin fee / account holder | $348 | $436-20.2% | $15,923-97.8% | $431-19.2% |