Filed June 20, 2022
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RESOURCES INVESTMENT ADVISORS, INC. Service code 15 · EIN 43-1451524 | Recordkeeping | $82,732 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $10,548 |
ADP BROKER-DEALER9+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $112,985 | $106,264+6.3% | $147,117-23.2% | $77,762+45.3% |
| Participation rate | 33.7% | 78.4%-44.7pp | 82.2%-48.4pp | 70.6%-36.8pp |
| Annual return | 19.04% | 56.94%-37.9pp | 420.54%-401.5pp | 31.27%-12.2pp |
| Employer contribution / active EE | $1,739 | $4,074-57.3% | $4,932-64.7% | $2,728-36.2% |
| Participant deferral / active EE | $6,533 | $8,003-18.4% | $8,065-19.0% | $4,651+40.5% |
| Admin fee / account holder | $302 | $334-9.7% | $12,993-97.7% | $433-30.3% |