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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPLED ADVISORS, INC.9 years Service code 15 · EIN 88-1673202 | Recordkeeping | $41,477 |
ADP BROKER-DEALER6 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,690 |
ADP BROKER-DEALER11+ 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.
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 | $65,904 | $91,760-28.2% | $156,181-57.8% | $67,986-3.1% |
| Participation rate | 46.6% | 65.0%-18.5pp | 78.8%-32.3pp | 57.2%-10.6pp |
| Annual return | 16.72% | 18.14%-1.4pp | 64.87%-48.2pp | 31.67%-14.9pp |
| Employer contribution / active EE | $244 | $2,419-89.9% | $4,294-94.3% | $2,019-87.9% |
| Participant deferral / active EE | $3,214 | $3,960-18.8% | $6,132-47.6% | $3,358-4.3% |
| Admin fee / account holder | $313 | $3,949-92.1% | $14,586-97.9% | $3,203-90.2% |