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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RBC RETIREMENT PLAN ADVISORS Service code 26 · EIN 41-1416330 | Advisory (Participants) | $38,300 |
Filed as: NORTHWEST PLAN SERVICES Service code 15 · EIN 91-2090931 | Recordkeeping | $24,246 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $6,408 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $122,814 | $146,267-16.0% | $197,124-37.7% | $82,448+49.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 86.7%+13.3pp | 68.1%+31.9pp |
| Annual return | 13.00% | 29.61%-16.6pp | 44.34%-31.3pp | 41.64%-28.6pp |
| Employer contribution / active EE | $4,084 | $4,723-13.5% | $6,227-34.4% | $2,551+60.1% |
| Participant deferral / active EE | $11,150 | $7,035+58.5% | $9,135+22.1% | $4,139+169.4% |
| Admin fee / account holder | $401 | $14,422-97.2% | $16,298-97.5% | $7,234-94.5% |