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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $12,272 |
Filed as: COMMONWEALTH EQUITY SERVICES, INC. Service code 15 · EIN 04-2675571 | Recordkeeping | $7,397 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $58,565 | $35,986+62.7% | $77,513-24.4% | $73,493-20.3% |
| Participation rate | 11.7% | 40.8%-29.1pp | 54.2%-42.4pp | 70.7%-58.9pp |
| Annual return | 14.71% | 19.26%-4.6pp | 54.81%-40.1pp | 28.51%-13.8pp |
| Employer contribution / active EE | $178 | $557-68.1% | $987-82.0% | $2,270-92.2% |
| Participant deferral / active EE | $547 | $1,198-54.3% | $1,861-70.6% | $3,740-85.4% |
| Admin fee / account holder | $615 | $466+32.0% | $2,859-78.5% | $513+19.8% |