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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $31,064 |
Filed as: GALLAGHER BENEFIT SERVICES, INC Service code 16 · EIN 36-4291971 | Consulting | $12,113 |
KESTRA INVESTMENT SERVICES LLC1+ years Filed as: KESTRA ADVISORY SERVICES Service code 16 · EIN 35-2552359 | Consulting | $5,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $36,688 | $54,237-32.4% | $90,304-59.4% | $67,579-45.7% |
| Participation rate | 69.5% | 68.6%+0.8pp | 73.3%-3.8pp | 71.3%-1.8pp |
| Annual return | 20.50% | 37.27%-16.8pp | 78.13%-57.6pp | 378.56%-358.1pp |
| Employer contribution / active EE | $903 | $1,846-51.1% | $2,855-68.4% | $2,148-57.9% |
| Participant deferral / active EE | $3,583 | $2,625+36.5% | $3,885-7.8% | $3,539+1.2% |
| Admin fee / account holder | $135 | $123+9.1% | $5,354-97.5% | $142-5.4% |