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| Provider | Service type | Compensation |
|---|---|---|
TFO-TDC, LLC3 years Filed as: TDC LLC Service code 27 · EIN 20-1017513 | Advisory (Plan) | $48,662 |
Service code 37 · EIN 04-2647786 | Loan Processing | $42,256 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,209 | $79,519-50.7% | $95,964-59.1% | $73,412-46.6% |
| Participation rate | 68.7% | 81.2%-12.5pp | 77.1%-8.4pp | 72.2%-3.5pp |
| Annual return | 9.20% | 19.20%-10.0pp | 91.64%-82.4pp | 59.30%-50.1pp |
| Employer contribution / active EE | $187 | $2,048-90.9% | $2,541-92.7% | $2,234-91.6% |
| Participant deferral / active EE | $1,989 | $4,138-51.9% | $4,167-52.3% | $3,806-47.7% |
| Admin fee / account holder | $306 | $184+66.1% | $6,797-95.5% | $158+93.9% |