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| Provider | Service type | Compensation |
|---|---|---|
EXCEL WEALTH MANAGEMENT, LLC6 years Service code 15 · EIN 81-2780637 | Recordkeeping | $40,221 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $18,402 |
ADP BROKER-DEALER7 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $129,317 | $89,435+44.6% | $164,975-21.6% | $77,714+66.4% |
| Participation rate | 30.7% | 78.6%-47.9pp | 78.6%-47.9pp | 70.6%-39.9pp |
| Annual return | 19.25% | 28.82%-9.6pp | 70.12%-50.9pp | 31.26%-12.0pp |
| Employer contribution / active EE | $1,332 | $2,563-48.0% | $4,343-69.3% | $2,727-51.1% |
| Participant deferral / active EE | $3,411 | $4,901-30.4% | $6,033-43.5% | $4,649-26.6% |
| Admin fee / account holder | $434 | $340+27.8% | $12,688-96.6% | $433+0.2% |