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| Provider | Service type | Compensation |
|---|---|---|
FOCUS 401K GROUP, LLC2 years Service code 15 · EIN 47-1258840 | Recordkeeping | $13,551 |
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $5,444 |
ADP BROKER-DEALER2 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $49,774 | $31,388+58.6% | $73,550-32.3% | $62,293-20.1% |
| Participation rate | 16.1% | 39.9%-23.7pp | 54.9%-38.8pp | 69.5%-53.4pp |
| Annual return | 17.97% | 25.34%-7.4pp | -15.16%+33.1pp | 28.90%-10.9pp |
| Employer contribution / active EE | $452 | $498-9.3% | $1,219-62.9% | $2,042-77.9% |
| Participant deferral / active EE | $692 | $1,028-32.7% | $1,804-61.6% | $3,169-78.2% |
| Admin fee / account holder | $311 | $299+4.0% | $2,320-86.6% | $479-35.0% |