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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $24,791 |
EDWARD JONES5 years Service code 15 · EIN 43-0345811 | Recordkeeping | $18,448 |
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.
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 | $38,399 | $54,558-29.6% | $76,002-49.5% | $74,546-48.5% |
| Participation rate | 50.7% | 60.3%-9.6pp | 69.1%-18.4pp | 67.2%-16.5pp |
| Annual return | 10.79% | 31.83%-21.0pp | 360.07%-349.3pp | 1366.03%-1355.2pp |
| Employer contribution / active EE | $1,732 | $1,778-2.6% | $2,688-35.6% | $2,624-34.0% |
| Participant deferral / active EE | $3,007 | $3,065-1.9% | $4,257-29.4% | $4,347-30.8% |
| Admin fee / account holder | $340 | $2,232-84.7% | $6,414-94.7% | $1,944-82.5% |