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| Provider | Service type | Compensation |
|---|---|---|
BFSG LLC8 years Service code 28 · EIN 20-8532658 | Investment Management | $25,000 |
RBC GLOBAL ASSET MANAGEMENT2 years Filed as: CITY NATIONAL BANK Service code 10 · EIN 95-1780067 | Accounting | $14,000 |
CHARLES SCHWAB & CO., INC.7 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $8,741 |
CHARLES SCHWAB & CO., INC.10+ years Filed as: CHARLES SCHWAB & CO, INC. Service code 33 · EIN 94-1737782 | Shareholder servicing fees; Securitie... | $375 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO.INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $279,855 | $122,063+129.3% | $184,256+51.9% | $74,478+275.8% |
| Participation rate | 98.2% | 85.5%+12.7pp | 86.8%+11.4pp | 67.2%+31.0pp |
| Annual return | 16.45% | 19.92%-3.5pp | 28.85%-12.4pp | 1370.56%-1354.1pp |
| Employer contribution / active EE | $11,490 | $4,539+153.1% | $6,427+78.8% | $2,626+337.5% |
| Participant deferral / active EE | $21,988 | $7,144+207.8% | $9,133+140.7% | $4,350+405.4% |
| Admin fee / account holder | $140 | $1,253-88.8% | $13,899-99.0% | $1,946-92.8% |