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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 15 5707 SOUTHWEST PARKWAY · AUSTIN, TX 78735 | Recordkeeping | $9,257 |
PAYCHEX, INC.1 year Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $5,389 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,748 | $54,573+4.0% | $90,965-37.6% | $73,493-22.8% |
| Participation rate | 22.3% | 61.2%-38.9pp | 69.0%-46.7pp | 70.7%-48.4pp |
| Annual return | 10.33% | 16.69%-6.4pp | 134.57%-124.2pp | 28.51%-18.2pp |
| Employer contribution / active EE | $473 | $991-52.3% | $2,122-77.7% | $2,270-79.2% |
| Participant deferral / active EE | $889 | $2,517-64.7% | $3,373-73.6% | $3,740-76.2% |
| Admin fee / account holder | $385 | $521-26.1% | $5,960-93.5% | $513-24.9% |