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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $51,226 |
MOSS ADAMS LLP1 year Filed as: MOSS ADAMS, LLP Service code 15 · EIN 91-0189318 | Recordkeeping | $26,250 |
Filed as: COMMONWEALTH EQUITY SERVICES, INC. Service code 15 · EIN 04-2675571 | Recordkeeping | $6,717 |
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.
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 | $11,624 | $45,119-74.2% | $85,126-86.3% | $74,429-84.4% |
| Participation rate | 64.5% | 49.4%+15.2pp | 67.5%-3.0pp | 67.2%-2.7pp |
| Annual return | 6.40% | 26.28%-19.9pp | 66.63%-60.2pp | 1368.38%-1362.0pp |
| Employer contribution / active EE | $556 | $1,460-61.9% | $2,731-79.7% | $2,625-78.8% |
| Participant deferral / active EE | $2,268 | $2,738-17.2% | $4,523-49.9% | $4,348-47.8% |
| Admin fee / account holder | $593 | $2,214-73.2% | $6,160-90.4% | $1,944-69.5% |