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| Provider | Service type | Compensation |
|---|---|---|
PRIVATE ADVISOR GROUP LLC10+ years Service code 15 · EIN 27-3463733 | Recordkeeping | $43,583 |
CHORTEK LLP1 year Service code 15 · EIN 42-0993792 | Recordkeeping | $10,500 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $1,841 |
ADP BROKER-DEALER10+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,856 | $81,276-49.7% | $155,574-73.7% | $80,925-49.5% |
| Participation rate | 95.9% | 66.2%+29.6pp | 78.2%+17.7pp | 67.7%+28.2pp |
| Annual return | 12.27% | 33.36%-21.1pp | 64.87%-52.6pp | 35.65%-23.4pp |
| Employer contribution / active EE | $369 | $3,103-88.1% | $4,676-92.1% | $2,756-86.6% |
| Participant deferral / active EE | $2,853 | $3,453-17.4% | $5,629-49.3% | $4,299-33.6% |
| Admin fee / account holder | $313 | $7,993-96.1% | $15,914-98.0% | $6,940-95.5% |