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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES LLC Service code 27 29 SAWYER ROAD · WALTHAM, MA 024533483 | Advisory (Plan) | $32,200 |
BERGANKDV LTD1 year Service code 99 PO BOX 1304 · ST CLOUD, MN 56302 | Other Fees | $9,750 |
PACO INC2 years Service code 13 1200 VALLEY WEST DRIVE, STE 507 · WEST DES MOINES, IA 502661906 | Contract Administrator | $7,301 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,417 | $84,493-20.2% | $125,381-46.2% | $66,938+0.7% |
| Participation rate | 53.4% | 76.4%-23.0pp | 82.4%-29.0pp | 69.8%-16.4pp |
| Annual return | -14.80% | -8.49%-6.3pp | 572.31%-587.1pp | 1.58%-16.4pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $4,210 | $6,783-37.9% | $7,448-43.5% | $4,238-0.7% |
| Admin fee / account holder | $370 | $685-46.0% | $10,007-96.3% | $594-37.7% |