| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.2+ years Filed as: SCHWAB RETIREMENT PLAN SERVICES Service code 15 · EIN 34-1479833 | Recordkeeping | $334,585 |
BROUWER & JANACHOWSKI LLC2+ years Filed as: BROUWER & JANACHOWSKI INC. Service code 28 · EIN 94-3038071 | Investment Management | $325,204 |
BROUWER & JANACHOWSKI LLC2+ years Filed as: BROUWER & JANACHOWSKI, LLC Service code 26 · EIN 26-1584455 | Advisory (Participants) | $146,380 |
CHARLES SCHWAB & CO., INC.2+ years Service code 33 · EIN 42-1558009 | Shareholder servicing fees; Float rev... | $34,240 |
LINDQUIST LLP1 year Filed as: LINDQUIST CPAS LLP Service code 10 · EIN 52-2385296 | Accounting | $25,900 |
REYNDERS MCVEIGH CAPITAL MANAG2+ years Filed as: REYNDERS MCVEIGH CAPITAL MANAGEMENT Service code 26 · EIN 56-2541684 | Advisory (Participants) | $17,554 |
RBC GLOBAL ASSET MANAGEMENT2+ years Filed as: CITY NATIONAL BANK Service code 26 · EIN 95-1780067 | Advisory (Participants) | $17,199 |
Service code 29 · EIN 94-3253397 | Legal | $13,624 |
RAND & ASSOCIATES2+ years Service code 26 · EIN 45-1863482 | Advisory (Participants) | $8,436 |
LINSCOMB & WILLIAMS2+ years Service code 26 · EIN 74-1939813 | Advisory (Participants) | $6,654 |
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 | $232,031 | $85,635+171.0% | $123,894+87.3% | $63,975+262.7% |
| Participation rate | 95.9% | 74.9%+21.0pp | 81.4%+14.5pp | 71.1%+24.8pp |
| Annual return | 8.83% | 15.74%-6.9pp | 47.52%-38.7pp | 48.65%-39.8pp |
| Employer contribution / active EE | $9,747 | $3,076+216.8% | $4,617+111.1% | $2,182+346.8% |
| Participant deferral / active EE | $12,272 | $5,667+116.6% | $5,984+105.1% | $3,356+265.6% |
| Admin fee / account holder | $383 | $75+410.8% | $8,357-95.4% | $70+443.2% |