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| Provider | Service type | Compensation |
|---|---|---|
GIRARD PARTNERS7 years Filed as: GIRARD INVESTMENT SERVICES, LLC Service code 28 · EIN 23-1699073 | Investment Management | $21,855 |
Filed as: PROFESSIONAL CAPTIAL SERVICES, LLC Service code 13 1801 MARKET STREET · PHILADELPHIA, PA 19103 | Contract Administrator | $15,943 |
ADP BROKER-DEALER1 year Filed as: ADP, INC Service code 15 · EIN 13-3036745 | Recordkeeping | $349 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,630 | $45,119-18.8% | $85,126-57.0% | $74,429-50.8% |
| Participation rate | 29.5% | 49.4%-19.9pp | 67.5%-38.0pp | 67.2%-37.7pp |
| Annual return | 10.16% | 26.28%-16.1pp | 66.63%-56.5pp | 1368.38%-1358.2pp |
| Employer contribution / active EE | $898 | $1,460-38.5% | $2,731-67.1% | $2,625-65.8% |
| Participant deferral / active EE | $2,357 | $2,738-13.9% | $4,523-47.9% | $4,348-45.8% |
| Admin fee / account holder | $433 | $2,214-80.4% | $6,160-93.0% | $1,944-77.7% |