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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RPS RETIREMENT PLAN ADVISORS LLC Service code 15 · EIN 87-4358960 | Recordkeeping | $21,500 |
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $19,772 |
ADP BROKER-DEALER3 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
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).
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 | $43,764 | $70,684-38.1% | $169,390-74.2% | $75,173-41.8% |
| Participation rate | 97.8% | 64.8%+33.0pp | 77.2%+20.7pp | 67.2%+30.6pp |
| Annual return | 18.77% | 36.38%-17.6pp | 406.07%-387.3pp | 160.72%-142.0pp |
| Employer contribution / active EE | $2,010 | $2,211-9.1% | $4,013-49.9% | $2,671-24.8% |
| Participant deferral / active EE | $4,461 | $4,310+3.5% | $6,222-28.3% | $4,126+8.1% |
| Admin fee / account holder | $310 | $5,404-94.3% | $9,015-96.6% | $5,651-94.5% |