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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $23,135 |
Filed as: KESTRA ADVISORY SERVICES Service code 15 · EIN 35-2552359 | Recordkeeping | $8,709 |
ADP BROKER-DEALER3+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $8,517 | $52,639-83.8% | $185,117-95.4% | $62,293-86.3% |
| Participation rate | 87.2% | 63.9%+23.4pp | 77.3%+10.0pp | 69.5%+17.7pp |
| Annual return | 21.93% | 19.57%+2.4pp | 40.50%-18.6pp | 28.90%-7.0pp |
| Employer contribution / active EE | $6 | $1,483-99.6% | $4,182-99.9% | $2,042-99.7% |
| Participant deferral / active EE | $1,833 | $3,097-40.8% | $5,045-63.7% | $3,169-42.2% |
| Admin fee / account holder | $91 | $374-75.6% | $8,159-98.9% | $479-81.0% |