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| Provider | Service type | Compensation |
|---|---|---|
STIFEL NICOLAUS & CO INC2 years Filed as: STIFEL NICOLAUS Service code 15 · EIN 43-0538770 | Recordkeeping | $35,037 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $19,679 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $53,710 | $54,193-0.9% | $93,669-42.7% | $77,714-30.9% |
| Participation rate | 37.1% | 63.9%-26.9pp | 68.7%-31.6pp | 70.6%-33.5pp |
| Annual return | 17.07% | 30.54%-13.5pp | 133.59%-116.5pp | 31.26%-14.2pp |
| Employer contribution / active EE | $198 | $1,168-83.1% | $2,424-91.8% | $2,727-92.7% |
| Participant deferral / active EE | $1,826 | $3,144-41.9% | $4,416-58.7% | $4,649-60.7% |
| Admin fee / account holder | $367 | $576-36.2% | $8,291-95.6% | $433-15.2% |