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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $19,913 |
KESTRA INVESTMENT SERVICES LLC5+ years Service code 27 · EIN 35-2552359 | Advisory (Plan) | $17,508 |
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.
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 | $85,930 | $81,474+5.5% | $133,959-35.9% | $73,493+16.9% |
| Participation rate | 65.2% | 76.4%-11.2pp | 79.8%-14.7pp | 70.7%-5.5pp |
| Annual return | 11.30% | 19.40%-8.1pp | 45.09%-33.8pp | 28.51%-17.2pp |
| Employer contribution / active EE | $994 | $2,209-55.0% | $3,919-74.6% | $2,270-56.2% |
| Participant deferral / active EE | $2,982 | $3,786-21.2% | $5,047-40.9% | $3,740-20.3% |
| Admin fee / account holder | $378 | $713-47.0% | $8,928-95.8% | $513-26.3% |