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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES, INC. Service code 15 · EIN 04-2675571 | Recordkeeping | $9,734 |
BOIVIN & ASSOCIATES6 years Filed as: BOIVIN & ASSOCIATES, CPA'S PLLC Service code 15 · EIN 27-1516157 | Recordkeeping | $6,500 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $6,241 |
ADP BROKER-DEALER7+ 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $14,674 | $56,540-74.0% | $185,849-92.1% | $86,821-83.1% |
| Participation rate | 37.9% | 65.5%-27.6pp | 81.7%-43.8pp | 72.3%-34.4pp |
| Annual return | 14.63% | 118.20%-103.6pp | 122.10%-107.5pp | 97.94%-83.3pp |
| Employer contribution / active EE | $863 | $1,844-53.2% | $5,169-83.3% | $2,406-64.1% |
| Participant deferral / active EE | $1,937 | $2,555-24.2% | $5,569-65.2% | $4,132-53.1% |
| Admin fee / account holder | $116 | $150-22.6% | $16,244-99.3% | $170-31.7% |