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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $975 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
KOVACK SECURITIES INC2+ years Filed as: KOVACK SECURITIES, INC Service code 49 1 CITY CENTER 8TH FLOOR · PORTLAND, ME 04101 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $40,970 | $50,106-18.2% | $69,779-41.3% | $57,658-28.9% |
| Participation rate | 18.7% | 70.9%-52.1pp | 71.8%-53.1pp | 70.2%-51.5pp |
| Annual return | 7.12% | 14.58%-7.5pp | 12.99%-5.9pp | 5.13%+2.0pp |
| Employer contribution / active EE | $0 | $1,739-100.0% | $2,338-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $783 | $2,486-68.5% | $2,931-73.3% | $3,061-74.4% |
| Admin fee / account holder | $12 | $89-86.8% | $4,381-99.7% | $95-87.6% |