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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES, INC. Service code 15 · EIN 04-2675571 | Recordkeeping | $22,997 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $620 |
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $255,674 | $79,438+221.9% | $106,555+139.9% | $79,391+222.0% |
| Participation rate | 28.6% | 74.2%-45.6pp | 76.1%-47.6pp | 70.7%-42.1pp |
| Annual return | 25.52% | 18.27%+7.3pp | 26.80%-1.3pp | 116.88%-91.4pp |
| Employer contribution / active EE | $802 | $2,235-64.1% | $2,819-71.6% | $2,428-67.0% |
| Participant deferral / active EE | $2,418 | $3,824-36.8% | $4,399-45.0% | $4,046-40.2% |
| Admin fee / account holder | $549 | $523+5.0% | $7,408-92.6% | $627-12.3% |