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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC2 years Filed as: UBS FINANCIAL SERVICES, INC. Service code 15 · EIN 13-2638166 | Recordkeeping | $20,112 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $3,080 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $31,149 | $45,109-30.9% | $85,240-63.5% | $77,762-59.9% |
| Participation rate | 34.5% | 48.7%-14.1pp | 67.5%-33.0pp | 70.6%-36.1pp |
| Annual return | 19.30% | 79.55%-60.3pp | 66.75%-47.5pp | 31.27%-12.0pp |
| Employer contribution / active EE | $1,097 | $1,602-31.5% | $2,735-59.9% | $2,728-59.8% |
| Participant deferral / active EE | $2,316 | $2,814-17.7% | $4,527-48.8% | $4,651-50.2% |
| Admin fee / account holder | $138 | $915-84.9% | $6,165-97.8% | $433-68.1% |