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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: KESTRA INVESTMENT SERVICES Service code 49 4635 SOUTHWEST FREEWAY · HOUSTON, TX 77027 | Other Services | $0 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $44,915 | $42,396+5.9% | $67,313-33.3% | $56,287-20.2% |
| Participation rate | 68.1% | 61.0%+7.2pp | 69.1%-0.9pp | 69.9%-1.7pp |
| Annual return | -3.68% | -36.63%+32.9pp | -4.08%+0.4pp | -9.96%+6.3pp |
| Employer contribution / active EE | $805 | $1,414-43.1% | $2,566-68.6% | $2,111-61.9% |
| Participant deferral / active EE | $3,861 | $2,360+63.6% | $3,568+8.2% | $3,350+15.3% |
| Admin fee / account holder | $0 | $510-100.0% | $4,507-100.0% | $521-100.0% |