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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES Service code 15 · EIN 35-2552359 | Recordkeeping | $21,501 |
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $9,819 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,477 | $28,416-3.3% | $73,550-62.6% | $69,631-60.5% |
| Participation rate | 18.5% | 38.3%-19.8pp | 54.9%-36.4pp | 70.7%-52.2pp |
| Annual return | 12.09% | -694.13%+706.2pp | -15.16%+27.2pp | 27571.02%-27558.9pp |
| Employer contribution / active EE | $0 | $430-100.0% | $1,219-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $752 | $897-16.2% | $1,804-58.3% | $3,224-76.7% |
| Admin fee / account holder | $175 | $104+67.7% | $2,320-92.5% | $110+58.4% |