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| Provider | Service type | Compensation |
|---|---|---|
NATIONAL FINANCIAL SERVICES1+ years Filed as: NATIONAL FINANCIAL SERVICES LLC Service code 61 · EIN 04-3523567 | Finders' fees / placement fees | $29,556 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $7,409 |
FIRST CLEARING LLC1+ years Service code 61 · EIN 23-2384840 | Finders' fees / placement fees | $6,881 |
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $75 |
Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,790 | $39,458-52.4% | $60,547-69.0% | $55,191-66.0% |
| Participation rate | 23.7% | 59.6%-35.9pp | 68.0%-44.3pp | 69.2%-45.5pp |
| Annual return | 0.51% | 3.35%-2.8pp | 335.64%-335.1pp | 10.78%-10.3pp |
| Employer contribution / active EE | $96 | $1,210-92.1% | $2,419-96.0% | $1,899-94.9% |
| Participant deferral / active EE | $916 | $2,140-57.2% | $3,328-72.5% | $3,046-69.9% |
| Admin fee / account holder | $39 | $95-59.2% | $4,536-99.1% | $91-57.3% |