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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $57,323 |
Filed as: KESTRA ADVISORY SERVICES Service code 15 · EIN 35-2552359 | Recordkeeping | $7,841 |
ADP BROKER-DEALER1 year Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,216 | $58,859-94.5% | $129,339-97.5% | $77,692-95.9% |
| Participation rate | 66.7% | 59.3%+7.4pp | 69.6%-2.9pp | 70.6%-3.8pp |
| Annual return | 12.95% | 24.74%-11.8pp | 9437.05%-9424.1pp | 31.25%-18.3pp |
| Employer contribution / active EE | $0 | $1,952-100.0% | $4,154-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $1,146 | $3,215-64.3% | $4,170-72.5% | $4,648-75.3% |
| Admin fee / account holder | $103 | $591-82.5% | $7,668-98.7% | $431-76.0% |