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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $73,806 |
KESTRA INVESTMENT SERVICES LLC3+ years Filed as: KESTRA ADVISORY SERVICES, LLC Service code 16 · EIN 35-2552359 | Consulting | $24,926 |
SWARTZ, RETSON & CO., P.C.2 years Filed as: SWARTZ RETSON & CO PC Service code 10 · EIN 35-1509921 | Accounting | $11,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $58,313 | $43,466+34.2% | $90,970-35.9% | $90,274-35.4% |
| Participation rate | 19.7% | 62.5%-42.8pp | 69.0%-49.4pp | 73.4%-53.7pp |
| Annual return | 12.75% | 25.26%-12.5pp | 134.60%-121.8pp | 53.97%-41.2pp |
| Employer contribution / active EE | $229 | $840-72.7% | $2,122-89.2% | $2,523-90.9% |
| Participant deferral / active EE | $699 | $2,138-67.3% | $3,373-79.3% | $4,231-83.5% |
| Admin fee / account holder | $323 | $92+251.4% | $5,961-94.6% | $114+183.0% |