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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES Service code 15 · EIN 35-2552359 | Recordkeeping | $38,512 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $17,337 |
ADP BROKER-DEALER6+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $108,870 | $81,474+33.6% | $133,971-18.7% | $73,493+48.1% |
| Participation rate | 66.5% | 76.4%-9.9pp | 79.8%-13.3pp | 70.7%-4.2pp |
| Annual return | 11.52% | 19.40%-7.9pp | 45.09%-33.6pp | 28.51%-17.0pp |
| Employer contribution / active EE | $485 | $2,209-78.0% | $3,919-87.6% | $2,270-78.6% |
| Participant deferral / active EE | $3,790 | $3,786+0.1% | $5,047-24.9% | $3,740+1.4% |
| Admin fee / account holder | $363 | $713-49.1% | $8,929-95.9% | $513-29.3% |