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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES Service code 26 · EIN 35-2552359 | Advisory (Participants) | $7,583 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $3,141 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $47,006 | $79,223-40.7% | $102,460-54.1% | $74,478-36.9% |
| Participation rate | 45.4% | 74.8%-29.4pp | 76.5%-31.1pp | 67.2%-21.8pp |
| Annual return | 14.98% | 54.98%-40.0pp | 29.47%-14.5pp | 1370.56%-1355.6pp |
| Employer contribution / active EE | $223 | $2,363-90.6% | $3,025-92.6% | $2,626-91.5% |
| Participant deferral / active EE | $2,288 | $4,417-48.2% | $5,056-54.7% | $4,350-47.4% |
| Admin fee / account holder | $303 | $2,003-84.9% | $9,460-96.8% | $1,946-84.4% |