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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $0 |
Filed as: COMMONWEALTH EQUITY SERVICE, INC. Service code 15 · EIN 04-2675571 29 SAWYER ROAD · WALTHAM, MA 024533483 | Recordkeeping | $0 |
WILKIN & GUTTENPLAN, P.C.2 years Filed as: WILKIN & GUTTENPLAN P.C Service code 10 · EIN 22-2612018 1200 TICES LANE · EAST BRUNSWICK, NJ 08816 | Accounting | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $137,293 | $95,406+43.9% | $185,849-26.1% | $85,847+59.9% |
| Participation rate | 82.2% | 68.8%+13.5pp | 81.7%+0.5pp | 69.3%+12.9pp |
| Annual return | 15.82% | 23.59%-7.8pp | 122.10%-106.3pp | 318.61%-302.8pp |
| Employer contribution / active EE | $380 | $3,314-88.5% | $5,169-92.6% | $2,565-85.2% |
| Participant deferral / active EE | $3,829 | $3,424+11.8% | $5,569-31.3% | $3,952-3.1% |
| Admin fee / account holder | $418 | $7,214-94.2% | $16,244-97.4% | $6,261-93.3% |