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| Provider | Service type | Compensation |
|---|---|---|
PALLADIUM PARTNERS4 years Filed as: PALLADIUM REGISTERED INVESTMENT ADV Service code 55 999 WATERSIDE DR · NORFOLK, VA 23510 | Other Commissions | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,627 | $70,587-5.6% | $124,693-46.6% | $85,856-22.4% |
| Participation rate | 29.7% | 64.4%-34.7pp | 74.6%-44.9pp | 69.3%-39.6pp |
| Annual return | 12.58% | 20688.83%-20676.2pp | 5144.19%-5131.6pp | 318.58%-306.0pp |
| Employer contribution / active EE | $629 | $1,913-67.1% | $3,324-81.1% | $2,565-75.5% |
| Participant deferral / active EE | $3,361 | $2,969+13.2% | $4,615-27.2% | $3,952-14.9% |
| Admin fee / account holder | $614 | $5,282-88.4% | $7,494-91.8% | $6,261-90.2% |