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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.3 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $655,161 |
DEL MAR WEALTH MANAGEMENT7 years Service code 26 · EIN 46-4216041 | Advisory (Participants) | $216,237 |
HOYLECOHEN LLC9+ years Service code 26 · EIN 20-4860430 | Advisory (Participants) | $143,921 |
EP WEALTH ADVISORS LLC6 years Service code 26 · EIN 33-0152539 | Advisory (Participants) | $105,313 |
Service code 26 · EIN 88-0967642 | Advisory (Participants) | $78,283 |
BLANKINSHIP & FOSTER LLC9+ years Service code 26 · EIN 33-0357690 | Advisory (Participants) | $70,156 |
FISHER INVESTMENTS9+ years Service code 26 · EIN 20-2480800 | Advisory (Participants) | $48,553 |
Filed as: WEATHERLY ASSET MANAGEMENT LP Service code 26 · EIN 33-0638187 | Advisory (Participants) | $38,220 |
CHARLES SCHWAB & CO., INC.9+ years Service code 33 · EIN 94-1737782 | Securities brokerage; Direct payment ... | $27,280 |
Filed as: INDEPENDENT FINANCIAL GROUP LL Service code 26 · EIN 71-0927304 | Advisory (Participants) | $25,266 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $678,172 | $50,127+1252.9% | $149,673+353.1% | $80,160+746.0% |
| Participation rate | 87.4% | 64.3%+23.1pp | 78.8%+8.6pp | 72.9%+14.5pp |
| Annual return | 25.06% | 29.82%-4.8pp | 134.42%-109.4pp | 40.38%-15.3pp |
| Employer contribution / active EE | $23,171 | $1,865+1142.7% | $4,818+381.0% | $2,978+678.1% |
| Participant deferral / active EE | $14,762 | $3,194+362.2% | $5,680+159.9% | $5,017+194.2% |
| Admin fee / account holder | $1,246 | $153+716.5% | $13,210-90.6% | $145+760.1% |