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| Provider | Service type | Compensation |
|---|---|---|
NATIONAL FINANCIAL SERVICES6+ years Filed as: NATIONAL FINANCIAL SERVICES LLC Service code 33 · EIN 04-3523567 200 LIBERTY STREET · NEW YORK, NY 102810003 | Securities brokerage | $35,809 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $35,209 | $58,888-40.2% | $178,499-80.3% | $73,493-52.1% |
| Participation rate | 54.2% | 66.2%-12.1pp | 81.9%-27.8pp | 70.7%-16.5pp |
| Annual return | 7.50% | 24.86%-17.4pp | 151.10%-143.6pp | 28.51%-21.0pp |
| Employer contribution / active EE | $543 | $2,236-75.7% | $5,011-89.2% | $2,270-76.1% |
| Participant deferral / active EE | $1,231 | $2,568-52.0% | $5,202-76.3% | $3,740-67.1% |
| Admin fee / account holder | $373 | $400-6.8% | $13,986-97.3% | $513-27.3% |