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| Provider | Service type | Compensation |
|---|---|---|
NWPS5 years Filed as: NWPS, INC. Service code 13 · EIN 91-2090931 4025 DELRIDGE WAY SW · SEATTLE, WA 98106 | Contract Administrator | $38,290 |
Filed as: HIGHLAND CAPITAL ADVISORS LLC Service code 26 · EIN 20-4284376 | Advisory (Participants) | $31,700 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 3000 SCHWAB WAY · WESTLAKE, TX 76262 | Securities Custodian | $12,928 |
Service code 28 · EIN 81-4266371 | Investment Management | $9,225 |
FISHER INVESTMENTS1 year Service code 28 · EIN 20-2480800 | Investment Management | $5,576 |
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 | $160,058 | $83,002+92.8% | $98,090+63.2% | $64,097+149.7% |
| Participation rate | 97.6% | 75.0%+22.6pp | 81.5%+16.1pp | 55.2%+42.4pp |
| Annual return | 19.45% | 38.51%-19.1pp | 37.05%-17.6pp | 34.64%-15.2pp |
| Employer contribution / active EE | $2,779 | $2,749+1.1% | $3,606-22.9% | $1,891+46.9% |
| Participant deferral / active EE | $11,100 | $6,787+63.6% | $7,845+41.5% | $3,080+260.4% |
| Admin fee / account holder | $340 | $3,015-88.7% | $11,815-97.1% | $3,454-90.2% |