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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $49,836 |
VALMARK ADVISERS INC2 years Filed as: VALMARK SECURITIES INC. Service code 15 · EIN 31-1509466 | Recordkeeping | $16,870 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,938 | $93,010-66.7% | $96,520-67.9% | $74,440-58.4% |
| Participation rate | 61.4% | 71.6%-10.2pp | 74.3%-12.9pp | 70.7%-9.3pp |
| Annual return | 29.74% | 37.50%-7.8pp | 35.72%-6.0pp | 34.37%-4.6pp |
| Employer contribution / active EE | $2,611 | $3,427-23.8% | $3,739-30.2% | $2,638-1.0% |
| Participant deferral / active EE | $5,041 | $3,971+26.9% | $4,879+3.3% | $4,529+11.3% |
| Admin fee / account holder | $315 | $633-50.2% | $6,733-95.3% | $348-9.3% |