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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.4 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $99,564 |
ASPIRIANT LLC7 years Service code 26 · EIN 26-1518255 | Advisory (Participants) | $36,070 |
Service code 28 · EIN 47-1411118 | Investment Management | $28,000 |
MOSS ADAMS LLP4 years Service code 10 · EIN 91-0189318 | Accounting | $23,000 |
PARALLEL ADVISORS LLC3 years Service code 26 · EIN 20-4420591 | Advisory (Participants) | $17,545 |
Filed as: ENVESTNET ASSET MANAGEMENT INC Service code 26 · EIN 36-4319587 | Advisory (Participants) | $7,942 |
Service code 26 · EIN 46-3050979 | Advisory (Participants) | $5,345 |
Filed as: CHARLES SCHWAB & CO.,INC Service code 33 · EIN 94-1737782 | Float revenue; Securities brokerage c... | $2,733 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $188,639 | $122,186+54.4% | $146,958+28.4% | $199,593-5.5% |
| Participation rate | 64.3% | 78.3%-14.0pp | 82.2%-17.9pp | 72.0%-7.7pp |
| Annual return | 18.53% | 30.56%-12.0pp | 418.34%-399.8pp | 34.25%-15.7pp |
| Employer contribution / active EE | $3,903 | $4,093-4.6% | $4,933-20.9% | $3,034+28.6% |
| Participant deferral / active EE | $7,601 | $8,502-10.6% | $8,070-5.8% | $5,087+49.4% |
| Admin fee / account holder | $97 | $179-45.8% | $12,998-99.3% | $269-64.0% |