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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $25,188 |
ADP BROKER-DEALER5+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: KESTRA INVESTMENT SERVICES Service code 49 245 FISCHER AVE A 2 · COSTA MESA, CA 92626 | Other Services | $0 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,028 | $40,174-67.6% | $84,023-84.5% | $67,582-80.7% |
| Participation rate | 84.5% | 62.7%+21.9pp | 69.0%+15.5pp | 71.3%+13.3pp |
| Annual return | 23.83% | 25.82%-2.0pp | 71.32%-47.5pp | 378.57%-354.7pp |
| Employer contribution / active EE | $0 | $808-100.0% | $1,984-100.0% | $2,148-100.0% |
| Participant deferral / active EE | $3,223 | $2,301+40.1% | $3,239-0.5% | $3,539-8.9% |
| Admin fee / account holder | $55 | $128-57.1% | $6,102-99.1% | $142-61.3% |