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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES, INC. Service code 15 · EIN 04-2675571 | Recordkeeping | $12,924 |
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $10,914 |
BOIVIN & ASSOCIATES7 years Filed as: BOIVIN & ASSOCIATES, CPA'S PLLC Service code 15 · EIN 27-1516157 | Recordkeeping | $6,500 |
ADP BROKER-DEALER8+ 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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $17,302 | $46,332-62.7% | $143,797-88.0% | $64,824-73.3% |
| Participation rate | 38.3% | 64.2%-26.0pp | 80.3%-42.1pp | 71.5%-33.2pp |
| Annual return | -16.62% | -10.05%-6.6pp | -0.04%-16.6pp | 32.84%-49.5pp |
| Employer contribution / active EE | $1,120 | $1,911-41.4% | $4,952-77.4% | $2,507-55.3% |
| Participant deferral / active EE | $2,391 | $2,647-9.7% | $5,638-57.6% | $4,311-44.5% |
| Admin fee / account holder | $156 | $154+1.1% | $14,679-98.9% | $188-17.2% |