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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $17,651 |
Filed as: KESTRA ADVISORY SERVICES LLC Service code 99 · EIN 35-2552359 | Other Fees | $9,218 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $17,093 | $28,956-41.0% | $71,778-76.2% | $64,824-73.6% |
| Participation rate | 46.5% | 65.2%-18.6pp | 62.3%-15.8pp | 71.5%-24.9pp |
| Annual return | -21.57% | -7.39%-14.2pp | 9.15%-30.7pp | 32.84%-54.4pp |
| Employer contribution / active EE | $1,181 | $1,159+1.9% | $1,704-30.7% | $2,507-52.9% |
| Participant deferral / active EE | $2,457 | $2,686-8.5% | $2,656-7.5% | $4,311-43.0% |
| Admin fee / account holder | $91 | $124-26.5% | $3,974-97.7% | $188-51.3% |