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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES, INC. Service code 15 · EIN 04-2675571 | Recordkeeping | $7,266 |
ADP BROKER-DEALER4+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,315 |
ADP BROKER-DEALER4+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $20,840 | $59,186-64.8% | $76,768-72.9% | $56,287-63.0% |
| Participation rate | 60.9% | 75.2%-14.3pp | 77.0%-16.0pp | 69.9%-8.9pp |
| Annual return | -2.22% | 6.62%-8.8pp | 2.43%-4.6pp | -9.96%+7.7pp |
| Employer contribution / active EE | $763 | $1,759-56.6% | $2,485-69.3% | $2,111-63.9% |
| Participant deferral / active EE | $2,117 | $3,255-35.0% | $3,852-45.0% | $3,350-36.8% |
| Admin fee / account holder | $72 | $489-85.3% | $6,675-98.9% | $521-86.2% |