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| Provider | Service type | Compensation |
|---|---|---|
BCJ CAPITAL MANAGEMENT LLC2 years Service code 15 · EIN 82-3738447 | Recordkeeping | $61,139 |
ADP BROKER-DEALER6 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $7,354 |
EXPAND FINANCIAL1 year Filed as: EXPAND FINANCIAL LLC Service code 15 · EIN 27-1124147 | Recordkeeping | $5,047 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,769 | $88,360-29.0% | $145,433-56.8% | $67,986-7.7% |
| Participation rate | 64.1% | 65.5%-1.4pp | 82.1%-18.1pp | 57.2%+6.9pp |
| Annual return | 17.47% | 63.15%-45.7pp | 66.58%-49.1pp | 31.67%-14.2pp |
| Employer contribution / active EE | $1,993 | $3,054-34.7% | $4,554-56.2% | $2,019-1.3% |
| Participant deferral / active EE | $8,102 | $5,932+36.6% | $7,897+2.6% | $3,358+141.3% |
| Admin fee / account holder | $306 | $3,313-90.8% | $13,129-97.7% | $3,203-90.4% |