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| Provider | Service type | Compensation |
|---|---|---|
Service code 28 · EIN 94-3383736 | Investment Management | $111,423 |
Filed as: SCHWAB RETIREMENT PLAN SERVICES, IN Service code 15 · EIN 34-1479833 | Recordkeeping | $18,886 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO AND AFFILIATES Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO., INC Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $142,996 | $71,192+100.9% | $117,860+21.3% | $62,293+129.6% |
| Participation rate | 95.5% | 74.2%+21.2pp | 79.7%+15.8pp | 69.5%+25.9pp |
| Annual return | 16.39% | 18.66%-2.3pp | 335.10%-318.7pp | 28.90%-12.5pp |
| Employer contribution / active EE | $5,238 | $1,934+170.9% | $3,786+38.3% | $2,042+156.5% |
| Participant deferral / active EE | $6,008 | $3,189+88.4% | $4,482+34.0% | $3,169+89.6% |
| Admin fee / account holder | $439 | $587-25.3% | $8,021-94.5% | $479-8.5% |