Filed February 12, 2015
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| Provider | Service type | Compensation |
|---|---|---|
401K ADVISORS INC4 years Service code 15 · EIN 33-0905143 | Recordkeeping | $31,746 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $18,751 |
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.)
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 | $104,722 | $79,223+32.2% | $102,460+2.2% | $74,478+40.6% |
| Participation rate | 55.5% | 74.8%-19.3pp | 76.5%-21.0pp | 67.2%-11.7pp |
| Annual return | 15.00% | 54.98%-40.0pp | 29.47%-14.5pp | 1370.56%-1355.6pp |
| Employer contribution / active EE | $1,256 | $2,363-46.8% | $3,025-58.5% | $2,626-52.2% |
| Participant deferral / active EE | $3,608 | $4,417-18.3% | $5,056-28.6% | $4,350-17.1% |
| Admin fee / account holder | $385 | $2,003-80.8% | $9,460-95.9% | $1,946-80.2% |