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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN FUNDS2 years Filed as: NEWPORT CAPITAL GROUP LLC Service code 15 · EIN 86-1109193 | Recordkeeping | $62,560 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $42,650 |
ADP BROKER-DEALER1 year Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
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 | $128,016 | $59,448+115.3% | $93,696+36.6% | $74,459+71.9% |
| Participation rate | 69.0% | 59.6%+9.4pp | 68.7%+0.3pp | 67.2%+1.8pp |
| Annual return | 14.61% | 82.11%-67.5pp | 133.74%-119.1pp | 1369.70%-1355.1pp |
| Employer contribution / active EE | $278 | $1,266-78.0% | $2,422-88.5% | $2,626-89.4% |
| Participant deferral / active EE | $3,698 | $3,052+21.2% | $4,417-16.3% | $4,350-15.0% |
| Admin fee / account holder | $343 | $3,027-88.7% | $8,287-95.9% | $1,945-82.4% |