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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 | $54,674-29.8% | $76,089-49.5% | $74,429-48.4% |
| Participation rate | 50.7% | 60.3%-9.6pp | 69.1%-18.4pp | 67.2%-16.5pp |
| Annual return | 10.79% | 31.89%-21.1pp | 360.94%-350.2pp | 1368.38%-1357.6pp |
| Employer contribution / active EE | $1,732 | $1,781-2.7% | $2,690-35.6% | $2,625-34.0% |
| Participant deferral / active EE | $3,007 | $3,071-2.1% | $4,259-29.4% | $4,348-30.8% |
| Admin fee / account holder | $340 | $2,238-84.8% | $6,418-94.7% | $1,944-82.5% |