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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC Service code 15 · EIN 13-3036745 | Recordkeeping | $31,845 |
CETERA ADVISOR NETWORKS LLC2 years Filed as: CETERA ADVISORS Service code 26 · EIN 95-3845382 | Advisory (Participants) | $14,961 |
POLLARD & ASSOCIATES, INC.3 years Service code 17 · EIN 52-0909772 1 NORTH PARK DRIVE · HUNT VALLEY, MD 21030 | Pension Consulting | $8,113 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $27,537 | $55,437-50.3% | $155,534-82.3% | $74,459-63.0% |
| Participation rate | 100.0% | 61.9%+38.1pp | 78.2%+21.8pp | 67.2%+32.8pp |
| Annual return | 11.87% | 269.58%-257.7pp | 64.92%-53.0pp | 1369.70%-1357.8pp |
| Employer contribution / active EE | $2,985 | $2,266+31.7% | $4,675-36.2% | $2,626+13.7% |
| Participant deferral / active EE | $3,469 | $2,837+22.3% | $5,630-38.4% | $4,350-20.2% |
| Admin fee / account holder | $317 | $1,742-81.8% | $15,900-98.0% | $1,945-83.7% |