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| Provider | Service type | Compensation |
|---|---|---|
KESTRA INVESTMENT SERVICES LLC3+ years Service code 27 3300 S BROADWAY AVE · TYLER, TX 75701 | Advisory (Plan) | $39,724 |
THE VANGUARD GROUP, INC.3+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $10,376 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $111,053 | $95,453+16.3% | $112,040-0.9% | $82,448+34.7% |
| Participation rate | 81.1% | 72.8%+8.3pp | 76.5%+4.6pp | 68.1%+13.0pp |
| Annual return | -2.34% | 23.92%-26.3pp | 24.52%-26.9pp | 41.64%-44.0pp |
| Employer contribution / active EE | $5,432 | $2,318+134.4% | $2,954+83.9% | $2,551+113.0% |
| Participant deferral / active EE | $11,400 | $4,224+169.9% | $5,098+123.6% | $4,139+175.4% |
| Admin fee / account holder | $726 | $9,013-91.9% | $12,098-94.0% | $7,234-90.0% |