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| Provider | Service type | Compensation |
|---|---|---|
HPM PARTNERS1 year Filed as: HPM PARTNERS, LLC Service code 15 · EIN 35-2467663 | Recordkeeping | $47,348 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $22,469 |
Service code 37 · EIN 36-3429599 | Loan Processing | $0 |
TD AMERITRADE, INC.2 years Service code 33 · EIN 82-0543156 | Securities brokerage; Distribution (1... | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $101,958 | $61,172+66.7% | $185,851-45.1% | $79,389+28.4% |
| Participation rate | 78.2% | 66.6%+11.6pp | 81.7%-3.5pp | 70.7%+7.5pp |
| Annual return | 9.97% | 19.45%-9.5pp | 122.11%-112.1pp | 116.89%-106.9pp |
| Employer contribution / active EE | $1,195 | $2,321-48.5% | $5,168-76.9% | $2,428-50.8% |
| Participant deferral / active EE | $4,530 | $2,788+62.5% | $5,569-18.6% | $4,046+12.0% |
| Admin fee / account holder | $360 | $710-49.3% | $16,245-97.8% | $626-42.6% |