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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $10,720 |
CETERA ADVISOR NETWORKS LLC4 years Service code 15 · EIN 95-3845382 | Recordkeeping | $7,918 |
Filed as: CETERA INVESTMENT ADVISERS LLC Service code 15 · EIN 36-3258176 | Recordkeeping | $6,043 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,272 | $51,045-19.1% | $70,525-41.5% | $71,476-42.3% |
| Participation rate | 62.8% | 59.4%+3.4pp | 68.4%-5.5pp | 67.9%-5.1pp |
| Annual return | 19.20% | 42.63%-23.4pp | 32.76%-13.6pp | 28.85%-9.6pp |
| Employer contribution / active EE | $763 | $1,790-57.4% | $2,974-74.4% | $2,589-70.5% |
| Participant deferral / active EE | $3,436 | $3,026+13.5% | $4,567-24.8% | $4,290-19.9% |
| Admin fee / account holder | $229 | $1,994-88.5% | $6,413-96.4% | $1,587-85.6% |