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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $6,892 |
ADP BROKER-DEALER4+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: KESTRA INVESTMENT SERVICES Service code 49 245 FISCHER AVE A2 · LONG BEACH, CA 92626 | Other Services | $0 |
Participant contribution per participant 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $12,243 | $59,191-79.3% | $76,767-84.1% | $56,289-78.2% |
| Participation rate | 82.0% | 75.2%+6.7pp | 77.0%+5.0pp | 69.9%+12.1pp |
| Annual return | -6.01% | 6.62%-12.6pp | 2.43%-8.4pp | -9.96%+3.9pp |
| Employer contribution / active EE | $556 | $1,759-68.4% | $2,485-77.6% | $2,111-73.7% |
| Participant deferral / active EE | $1,094 | $3,255-66.4% | $3,852-71.6% | $3,350-67.3% |
| Admin fee / account holder | $33 | $489-93.3% | $6,675-99.5% | $521-93.7% |