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| Provider | Service type | Compensation |
|---|---|---|
KESTRA INVESTMENT SERVICES LLC2+ years Filed as: KESTRA ADVISORY SERVICES. Service code 27 · EIN 35-2552359 | Advisory (Plan) | $45,216 |
THE VANGUARD GROUP, INC.2+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $33,555 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,999 | $91,517-38.8% | $101,264-44.7% | $73,412-23.7% |
| Participation rate | 42.6% | 73.8%-31.2pp | 75.8%-33.3pp | 72.2%-29.6pp |
| Annual return | 28.64% | 17.17%+11.5pp | 46.48%-17.8pp | 59.30%-30.7pp |
| Employer contribution / active EE | $733 | $2,877-74.5% | $3,660-80.0% | $2,234-67.2% |
| Participant deferral / active EE | $2,238 | $3,338-33.0% | $4,370-48.8% | $3,806-41.2% |
| Admin fee / account holder | $198 | $216-8.1% | $5,947-96.7% | $158+25.7% |