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| Provider | Service type | Compensation |
|---|---|---|
EXCEL WEALTH MANAGEMENT, LLC2 years Service code 15 · EIN 81-2780637 | Recordkeeping | $26,187 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $17,136 |
ADP BROKER-DEALER3 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.
Participant 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $81,585 | $78,419+4.0% | $133,978-39.1% | $73,412+11.1% |
| Participation rate | 28.3% | 78.6%-50.3pp | 79.8%-51.5pp | 72.2%-43.8pp |
| Annual return | 16.76% | 33.35%-16.6pp | 45.10%-28.3pp | 59.30%-42.5pp |
| Employer contribution / active EE | $823 | $2,044-59.7% | $3,919-79.0% | $2,234-63.1% |
| Participant deferral / active EE | $1,996 | $3,925-49.1% | $5,047-60.5% | $3,806-47.6% |
| Admin fee / account holder | $333 | $161+106.6% | $8,930-96.3% | $158+111.1% |