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| Provider | Service type | Compensation |
|---|---|---|
NORTHERN CAPITAL MANAGEMENT3 years Filed as: NORTHERN CAPITAL RETIREMENT Service code 26 · EIN 45-5514538 2700 SOUTHEAST BLVD · SPOKANE, WA 99223 | Advisory (Participants) | $71,115 |
RANDALL & HURLEY, INC.8 years Filed as: RANDALL & HURLEY Service code 15 · EIN 91-1661080 1328 N WHITMAN LN · LIBERTY LAKE, WA 99019 | Recordkeeping | $18,962 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 211 MAIN STREET · SAN FRANCISCO, CA 941051965 | Securities Custodian | $6,543 |
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 | $170,521 | $101,672+67.7% | $147,117+15.9% | $74,478+129.0% |
| Participation rate | 98.3% | 75.5%+22.8pp | 82.2%+16.1pp | 67.2%+31.1pp |
| Annual return | 17.21% | 8757.83%-8740.6pp | 420.54%-403.3pp | 1370.56%-1353.3pp |
| Employer contribution / active EE | $3,810 | $3,813-0.1% | $4,932-22.8% | $2,626+45.1% |
| Participant deferral / active EE | $11,328 | $7,305+55.1% | $8,065+40.5% | $4,350+160.4% |
| Admin fee / account holder | $555 | $1,753-68.3% | $12,993-95.7% | $1,946-71.5% |