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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAPTIAL WEALTH MANAGEMENT, INC. Service code 15 · EIN 65-1226333 | Recordkeeping | $17,437 |
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $13,526 |
ADP BROKER-DEALER1 year Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $22,409 | $46,072-51.4% | $69,779-67.9% | $55,167-59.4% |
| Participation rate | 52.2% | 67.5%-15.2pp | 71.8%-19.6pp | 69.0%-16.8pp |
| Annual return | 11.84% | 8.68%+3.2pp | 12.99%-1.2pp | 169.23%-157.4pp |
| Employer contribution / active EE | $324 | $1,500-78.4% | $2,338-86.2% | $1,963-83.5% |
| Participant deferral / active EE | $1,139 | $2,344-51.4% | $2,931-61.1% | $3,054-62.7% |
| Admin fee / account holder | $257 | $428-40.0% | $4,381-94.1% | $504-49.1% |