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| Provider | Service type | Compensation |
|---|---|---|
PALISADE INVESTMENTS LLC1 year Filed as: PALISADE INVESTMENTS, LLC Service code 15 · EIN 45-3594879 | Recordkeeping | $5,000 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $3,403 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $18,607 | $78,672-76.3% | $109,163-83.0% | $85,856-78.3% |
| Participation rate | 55.1% | 68.3%-13.2pp | 75.9%-20.8pp | 69.3%-14.2pp |
| Annual return | 16.98% | 25.09%-8.1pp | 25.75%-8.8pp | 318.58%-301.6pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,473 | $3,467-28.7% | $4,654-46.9% | $3,952-37.4% |
| Admin fee / account holder | $105 | $5,470-98.1% | $6,754-98.4% | $6,261-98.3% |