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| Provider | Service type | Compensation |
|---|---|---|
Filed as: INDEPENDENT FINANCIAL GROUP, LLC Service code 15 · EIN 71-0927304 | Recordkeeping | $23,029 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $15,427 |
Filed as: CETERA INVESTMENT ADVISERS LLC Service code 15 · EIN 36-3258176 | Recordkeeping | $12,164 |
ADP BROKER-DEALER10+ years 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.)
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 | $221,204 | $79,223+179.2% | $102,460+115.9% | $74,478+197.0% |
| Participation rate | 92.6% | 74.8%+17.8pp | 76.5%+16.1pp | 67.2%+25.3pp |
| Annual return | 14.04% | 54.98%-40.9pp | 29.47%-15.4pp | 1370.56%-1356.5pp |
| Employer contribution / active EE | $7,562 | $2,363+220.0% | $3,025+150.0% | $2,626+187.9% |
| Participant deferral / active EE | $16,151 | $4,417+265.6% | $5,056+219.4% | $4,350+271.3% |
| Admin fee / account holder | $329 | $2,003-83.6% | $9,460-96.5% | $1,946-83.1% |