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| Provider | Service type | Compensation |
|---|---|---|
Service code 28 · EIN 47-1411118 | Investment Management | $25,000 |
CHARLES SCHWAB & CO., INC.2 years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $20,303 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $113,606 | $59,267+91.7% | $96,575+17.6% | $79,393+43.1% |
| Participation rate | 65.4% | 61.9%+3.5pp | 69.8%-4.5pp | 70.7%-5.4pp |
| Annual return | 14.32% | 27.08%-12.8pp | 37.79%-23.5pp | 116.87%-102.5pp |
| Employer contribution / active EE | $1,871 | $1,216+53.9% | $2,357-20.6% | $2,428-22.9% |
| Participant deferral / active EE | $5,445 | $2,947+84.7% | $3,849+41.5% | $4,046+34.6% |
| Admin fee / account holder | $384 | $659-41.7% | $6,182-93.8% | $627-38.7% |