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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $16,531 |
Filed as: KESTRA ADVISORY SERVICES Service code 15 · EIN 35-2552359 | Recordkeeping | $11,973 |
ADP BROKER-DEALER2 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $65,440 | $52,639+24.3% | $185,117-64.6% | $62,293+5.1% |
| Participation rate | 63.7% | 63.9%-0.1pp | 77.3%-13.5pp | 69.5%-5.8pp |
| Annual return | 16.33% | 19.57%-3.2pp | 40.50%-24.2pp | 28.90%-12.6pp |
| Employer contribution / active EE | $1,602 | $1,483+8.1% | $4,182-61.7% | $2,042-21.5% |
| Participant deferral / active EE | $2,541 | $3,097-18.0% | $5,045-49.6% | $3,169-19.8% |
| Admin fee / account holder | $320 | $374-14.3% | $8,159-96.1% | $479-33.2% |