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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $28,260 |
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $18,704 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $38,853 | $48,261-19.5% | $68,612-43.4% | $55,725-30.3% |
| Participation rate | 46.1% | 71.0%-25.0pp | 72.2%-26.2pp | 70.9%-24.8pp |
| Annual return | -3.67% | -2.61%-1.1pp | -4.63%+1.0pp | 244.93%-248.6pp |
| Employer contribution / active EE | $1,092 | $1,742-37.3% | $2,625-58.4% | $2,078-47.5% |
| Participant deferral / active EE | $2,040 | $2,712-24.8% | $3,311-38.4% | $3,356-39.2% |
| Admin fee / account holder | $331 | $126+162.1% | $5,131-93.6% | $115+187.1% |