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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $34,103 |
BOWLINE FINANCIAL LLC3 years Service code 15 · EIN 84-1748632 | Recordkeeping | $25,956 |
GRANITE COMFORT LP1 year Service code 15 · EIN 84-1883539 | Recordkeeping | $17,500 |
ADP BROKER-DEALER3 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,327 | $82,979-56.2% | $102,412-64.5% | $77,736-53.3% |
| Participation rate | 56.9% | 71.5%-14.6pp | 74.5%-17.6pp | 70.6%-13.7pp |
| Annual return | 14.43% | 19.11%-4.7pp | 24.94%-10.5pp | 31.26%-16.8pp |
| Employer contribution / active EE | $2,196 | $3,554-38.2% | $3,870-43.3% | $2,728-19.5% |
| Participant deferral / active EE | $4,146 | $4,109+0.9% | $5,060-18.1% | $4,651-10.8% |
| Admin fee / account holder | $317 | $639-50.4% | $8,388-96.2% | $433-26.9% |