Filed April 5, 2006
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES Service code 15 · EIN 35-2552359 | Recordkeeping | $8,558 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,180 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,169 | $30,423-10.7% | $56,025-51.5% | $74,478-63.5% |
| Participation rate | 23.4% | 32.9%-9.5pp | 52.5%-29.1pp | 67.2%-43.8pp |
| Annual return | 12.03% | 24.97%-12.9pp | 1712.69%-1700.7pp | 1370.56%-1358.5pp |
| Employer contribution / active EE | $728 | $610+19.3% | $1,042-30.1% | $2,626-72.3% |
| Participant deferral / active EE | $1,295 | $1,176+10.1% | $1,955-33.7% | $4,350-70.2% |
| Admin fee / account holder | $80 | $2,363-96.6% | $2,828-97.2% | $1,946-95.9% |