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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $9,835 |
VESTPOINTE WEALTH MANAGEMENT2 years Service code 15 · EIN 20-1298894 | Recordkeeping | $9,478 |
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.
Employer 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.)
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 | $43,934 | $77,670-43.4% | $109,163-59.8% | $79,393-44.7% |
| Participation rate | 30.1% | 67.8%-37.7pp | 75.9%-45.7pp | 70.7%-40.6pp |
| Annual return | 14.46% | 23.44%-9.0pp | 25.75%-11.3pp | 116.87%-102.4pp |
| Employer contribution / active EE | $653 | $2,798-76.7% | $3,723-82.5% | $2,428-73.1% |
| Participant deferral / active EE | $2,080 | $3,518-40.9% | $4,654-55.3% | $4,046-48.6% |
| Admin fee / account holder | $394 | $732-46.2% | $6,754-94.2% | $627-37.1% |