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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $110 |
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: KESTRA INVESTMENT SERVICES Service code 49 4350 BAKER RD SUITE 250 · MINNETONKA, MN 55343 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $24,145 | $76,371-68.4% | $93,621-74.2% | $72,975-66.9% |
| Participation rate | 29.2% | 71.8%-42.6pp | 75.8%-46.7pp | 69.5%-40.3pp |
| Annual return | 20.27% | 25.82%-5.5pp | 32.76%-12.5pp | 81.01%-60.7pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,079 | $3,538-69.5% | $4,070-73.5% | $3,608-70.1% |
| Admin fee / account holder | $2 | $6,839-100.0% | $7,890-100.0% | $5,124-100.0% |