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| Provider | Service type | Compensation |
|---|---|---|
OPPENHEIMER1 year Filed as: OPPENHEIMER & CO. INC. Service code 15 · EIN 13-5657518 | Recordkeeping | $9,022 |
ADP BROKER-DEALER6+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,394 | $52,293-55.3% | $178,498-86.9% | $73,412-68.1% |
| Participation rate | 37.9% | 65.3%-27.4pp | 81.9%-44.0pp | 72.2%-34.3pp |
| Annual return | 9.96% | 34.75%-24.8pp | 151.09%-141.1pp | 59.30%-49.3pp |
| Employer contribution / active EE | $0 | $1,735-100.0% | $5,011-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $1,683 | $2,332-27.8% | $5,202-67.6% | $3,806-55.8% |
| Admin fee / account holder | $45 | $127-64.9% | $13,985-99.7% | $158-71.7% |