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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Service code 49 · EIN 22-3319984 | Other Services | $34,727 |
PENTEGRA SERVICES, INC.1 year Filed as: PENTEGRA RETIREMENT SERVICES, INC. Service code 14 · EIN 13-3745616 | Plan Administrator | $25,590 |
Service code 15 · EIN 13-5674085 | Recordkeeping | $23,471 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $5,800 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $28,193 | $53,236-47.0% | $86,233-67.3% | $103,975-72.9% |
| Participation rate | 21.3% | 34.4%-13.1pp | 69.0%-47.8pp | 72.5%-51.3pp |
| Annual return | 21.90% | 16.04%+5.9pp | 61.39%-39.5pp | 19.41%+2.5pp |
| Employer contribution / active EE | $682 | $1,362-50.0% | $2,504-72.8% | $3,722-81.7% |
| Participant deferral / active EE | $1,592 | $2,309-31.1% | $4,559-65.1% | $5,343-70.2% |
| Admin fee / account holder | $346 | $2,172-84.1% | $8,342-95.8% | $332+4.2% |