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| Provider | Service type | Compensation |
|---|---|---|
SANTOS POSTAL & COMPANY PC3 years Filed as: SANTOS, POSTAL AND COMPANY PC Service code 15 · EIN 52-1659352 | Recordkeeping | $11,500 |
Filed as: RMB LLP Service code 15 · EIN 20-1260436 | Recordkeeping | $10,500 |
ADP BROKER-DEALER4+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,854 |
ADP BROKER-DEALER4+ 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,568 | $43,999-37.3% | $79,467-65.3% | $55,725-50.5% |
| Participation rate | 21.7% | 66.9%-45.3pp | 73.3%-51.7pp | 70.9%-49.2pp |
| Annual return | -7.50% | 1.81%-9.3pp | 718.30%-725.8pp | 244.93%-252.4pp |
| Employer contribution / active EE | $182 | $1,830-90.0% | $2,800-93.5% | $2,078-91.2% |
| Participant deferral / active EE | $727 | $2,538-71.4% | $3,704-80.4% | $3,356-78.3% |
| Admin fee / account holder | $306 | $118+160.2% | $5,104-94.0% | $115+165.5% |