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| Provider | Service type | Compensation |
|---|---|---|
KESTRA INVESTMENT SERVICES LLC6+ years Filed as: KESTRA ADVISORY SERVICES Service code 15 · EIN 35-2552359 | Recordkeeping | $24,433 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $12,978 |
ADP BROKER-DEALER7+ 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.)
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 | $75,243 | $105,200-28.5% | $159,474-52.8% | $85,847-12.4% |
| Participation rate | 41.7% | 75.8%-34.1pp | 82.8%-41.2pp | 69.3%-27.7pp |
| Annual return | 13.53% | 45.08%-31.5pp | 263.68%-250.1pp | 318.61%-305.1pp |
| Employer contribution / active EE | $1,183 | $3,319-64.4% | $4,831-75.5% | $2,565-53.9% |
| Participant deferral / active EE | $3,017 | $5,946-49.3% | $7,353-59.0% | $3,952-23.7% |
| Admin fee / account holder | $468 | $6,934-93.3% | $10,802-95.7% | $6,261-92.5% |