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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES, INC. Service code 15 · EIN 04-2675571 | Recordkeeping | $24,701 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $970 |
ADP BROKER-DEALER2 years 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $195,768 | $73,019+168.1% | $90,766+115.7% | $68,490+185.8% |
| Participation rate | 46.8% | 70.8%-24.0pp | 75.7%-28.9pp | 67.9%-21.1pp |
| Annual return | -17.10% | -13.81%-3.3pp | -12.16%-4.9pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,383 | $2,193-36.9% | $2,922-52.7% | $2,597-46.7% |
| Participant deferral / active EE | $4,217 | $3,626+16.3% | $4,565-7.6% | $4,028+4.7% |
| Admin fee / account holder | $546 | $5,897-90.7% | $8,446-93.5% | $5,403-89.9% |