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| Provider | Service type | Compensation |
|---|---|---|
SECURITIES AMERICA INC3 years Filed as: SECURITIES AMERICA ADVISORS, INC. Service code 26 190 W HUKKARKER LN #403 · RENO, NY 89511 | Advisory (Participants) | $15,945 |
NEWPORT GROUP, INC.2 years Service code 15 1075 JORDAN CREEK PARKWAY · WEST DES MOINES, IA 50266 | Recordkeeping | $7,768 |
Filed as: TOUCHSTONE RETIREMENT GROUP Service code 13 · EIN 45-3210377 500 CORPORATE PARKWAY, STE 108 · AMHERST, NY 14226 | Contract Administrator | $6,714 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $29,128 | $72,554-59.9% | $138,135-78.9% | $73,493-60.4% |
| Participation rate | 49.1% | 74.8%-25.8pp | 78.7%-29.6pp | 70.7%-21.6pp |
| Annual return | 4.99% | 17.50%-12.5pp | 20.51%-15.5pp | 28.51%-23.5pp |
| Employer contribution / active EE | $1,272 | $3,511-63.8% | $5,587-77.2% | $2,270-44.0% |
| Participant deferral / active EE | $2,328 | $4,908-52.6% | $6,431-63.8% | $3,740-37.8% |
| Admin fee / account holder | $315 | $464-32.2% | $11,856-97.3% | $513-38.7% |