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| Provider | Service type | Compensation |
|---|---|---|
TD AMERITRADE, INC.2 years Filed as: TD AMERITRADE INSTITUTIONAL Service code 19 · EIN 47-0533629 | Securities Custodian | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $15,591 | $55,449-71.9% | $83,850-81.4% | $56,287-72.3% |
| Participation rate | 87.5% | 68.0%+19.5pp | 76.1%+11.4pp | 69.9%+17.6pp |
| Annual return | -7.25% | -1.38%-5.9pp | 850.92%-858.2pp | -9.96%+2.7pp |
| Employer contribution / active EE | $0 | $2,430-100.0% | $3,631-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $2,916 | $2,935-0.7% | $4,082-28.6% | $3,350-12.9% |
| Admin fee / account holder | $315 | $656-52.0% | $5,478-94.2% | $521-39.5% |