Filed February 12, 2015
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| Provider | Service type | Compensation |
|---|---|---|
401K ADVISORS INC3 years Service code 15 · EIN 33-0905143 | Recordkeeping | $27,429 |
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $18,041 |
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 | $108,922 | $76,112+43.1% | $96,534+12.8% | $71,511+52.3% |
| Participation rate | 69.2% | 74.4%-5.2pp | 76.0%-6.8pp | 67.9%+1.3pp |
| Annual return | 20.25% | 22.81%-2.6pp | 25.88%-5.6pp | 28.86%-8.6pp |
| Employer contribution / active EE | $1,611 | $2,248-28.3% | $2,965-45.7% | $2,589-37.8% |
| Participant deferral / active EE | $4,647 | $4,217+10.2% | $4,851-4.2% | $4,291+8.3% |
| Admin fee / account holder | $402 | $2,708-85.1% | $8,253-95.1% | $1,588-74.7% |