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| Provider | Service type | Compensation |
|---|---|---|
NAVIGATE FINANCIAL LLC2 years Service code 15 · EIN 92-3881045 | Recordkeeping | $21,393 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $13,480 |
ADP BROKER-DEALER9 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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,886 | $102,429-36.7% | $147,096-55.9% | $80,925-19.8% |
| Participation rate | 66.7% | 75.9%-9.2pp | 82.2%-15.5pp | 67.7%-1.0pp |
| Annual return | 11.67% | 135.02%-123.4pp | 419.75%-408.1pp | 35.65%-24.0pp |
| Employer contribution / active EE | $912 | $3,716-75.5% | $4,936-81.5% | $2,756-66.9% |
| Participant deferral / active EE | $7,260 | $6,649+9.2% | $8,071-10.0% | $4,299+68.9% |
| Admin fee / account holder | $371 | $7,957-95.3% | $13,005-97.1% | $6,940-94.7% |