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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $22,928 |
Filed as: KESTRA ADVISORY SERVICES Service code 15 · EIN 35-2552359 | Recordkeeping | $11,159 |
ADP BROKER-DEALER6 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,350 | $91,439-73.4% | $135,974-82.1% | $71,511-65.9% |
| Participation rate | 94.0% | 75.7%+18.4pp | 81.9%+12.1pp | 67.9%+26.1pp |
| Annual return | 17.49% | 29.90%-12.4pp | 68.30%-50.8pp | 28.86%-11.4pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $4,978 | $7,093-29.8% | $7,760-35.8% | $4,291+16.0% |
| Admin fee / account holder | $155 | $1,267-87.8% | $10,767-98.6% | $1,588-90.2% |