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| Provider | Service type | Compensation |
|---|---|---|
PALLADIUM PARTNERS2 years Filed as: PALLADIUM REGISTERED INVESTMENT ADV Service code 55 999 WATERSIDE DRIVE · NORFOLK, VA 23510 | Other Commissions | $0 |
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.)
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 | $48,279 | $54,045-10.7% | $115,170-58.1% | $65,185-25.9% |
| Participation rate | 28.7% | 63.5%-34.8pp | 75.9%-47.2pp | 70.2%-41.5pp |
| Annual return | 21.03% | 26.55%-5.5pp | 35.60%-14.6pp | 29.38%-8.4pp |
| Employer contribution / active EE | $351 | $1,653-78.8% | $3,179-89.0% | $2,177-83.9% |
| Participant deferral / active EE | $1,414 | $2,504-43.5% | $4,169-66.1% | $3,514-59.8% |
| Admin fee / account holder | $881 | $626+40.9% | $7,089-87.6% | $847+4.0% |