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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIDUCIARY INVESTMENT ADVISORS, LLC Service code 15 · EIN 20-4751585 | Recordkeeping | $20,666 |
JAMES L. BALCH, CLU, CHFC, RA6+ years Service code 15 · EIN 04-9422410 | Recordkeeping | $7,101 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $5,021 |
ADP BROKER-DEALER6+ 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $109,889 | $54,573+101.4% | $90,970+20.8% | $73,497+49.5% |
| Participation rate | 47.8% | 61.2%-13.4pp | 69.0%-21.2pp | 70.7%-22.9pp |
| Annual return | 9.87% | 16.69%-6.8pp | 134.60%-124.7pp | 28.51%-18.6pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $4,044 | $2,517+60.7% | $3,373+19.9% | $3,740+8.1% |
| Admin fee / account holder | $433 | $521-17.0% | $5,961-92.7% | $513-15.6% |