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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES Service code 27 | Advisory (Plan) | $86,881 |
LBMC, PC2 years Filed as: LBMC,PC Service code 10 | Accounting | $13,650 |
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.)
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 | $95,752 | $50,902+88.1% | $155,534-38.4% | $77,736+23.2% |
| Participation rate | 49.6% | 63.1%-13.5pp | 78.2%-28.7pp | 70.6%-21.0pp |
| Annual return | 15.98% | 34.85%-18.9pp | 64.92%-48.9pp | 31.26%-15.3pp |
| Employer contribution / active EE | $1,574 | $1,991-21.0% | $4,675-66.3% | $2,728-42.3% |
| Participant deferral / active EE | $5,001 | $2,824+77.1% | $5,630-11.2% | $4,651+7.5% |
| Admin fee / account holder | $321 | $437-26.6% | $15,900-98.0% | $433-26.0% |