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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RESOURCES INVESTMENT ADVISORS, INC. Service code 15 · EIN 43-1451524 | Recordkeeping | $16,743 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $14,972 |
DAVID ROMANO1 year Filed as: DAVID L. BUCK Service code 15 · EIN 55-5836659 | Recordkeeping | $9,000 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,304 | $91,179-66.8% | $178,499-83.0% | $79,852-62.0% |
| Participation rate | 70.9% | 69.2%+1.7pp | 81.9%-11.0pp | 69.6%+1.3pp |
| Annual return | 11.07% | 24.19%-13.1pp | 151.10%-140.0pp | 31.72%-20.7pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,903 | $3,236-41.2% | $5,202-63.4% | $3,740-49.1% |
| Admin fee / account holder | $404 | $6,749-94.0% | $13,986-97.1% | $5,306-92.4% |