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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES Service code 15 · EIN 35-2552359 | Recordkeeping | $23,425 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $17,303 |
ADP BROKER-DEALER1 year 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $92,709 | $84,482+9.7% | $125,363-26.0% | $66,930+38.5% |
| Participation rate | 98.1% | 76.4%+21.7pp | 82.4%+15.7pp | 69.8%+28.2pp |
| Annual return | -19.15% | -8.49%-10.7pp | 572.15%-591.3pp | 1.57%-20.7pp |
| Employer contribution / active EE | $6,377 | $3,553+79.5% | $4,815+32.5% | $2,545+150.6% |
| Participant deferral / active EE | $8,694 | $6,782+28.2% | $7,447+16.7% | $4,238+105.2% |
| Admin fee / account holder | $513 | $685-25.1% | $10,005-94.9% | $593-13.5% |