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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $910 |
ADP BROKER-DEALER3 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: KESTRA INVESTMENT SERVICES Service code 49 116 HUNTINGTON AVE · BOSTON, MA 02116 | 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $51,290 | $89,652-42.8% | $141,191-63.7% | $65,185-21.3% |
| Participation rate | 46.6% | 74.7%-28.1pp | 82.5%-35.9pp | 70.2%-23.6pp |
| Annual return | 27.63% | 32.79%-5.2pp | 71.41%-43.8pp | 29.38%-1.8pp |
| Employer contribution / active EE | $2 | $3,065-99.9% | $4,736-100.0% | $2,177-99.9% |
| Participant deferral / active EE | $4,947 | $5,691-13.1% | $6,710-26.3% | $3,514+40.8% |
| Admin fee / account holder | $8 | $569-98.6% | $10,264-99.9% | $847-99.0% |