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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $6,136 | $44,473-86.2% | $76,518-92.0% | $55,725-89.0% |
| Participation rate | 18.2% | 51.0%-32.7pp | 68.0%-49.8pp | 70.9%-52.6pp |
| Annual return | -12.44% | -2.01%-10.4pp | -0.27%-12.2pp | 244.93%-257.4pp |
| Employer contribution / active EE | $368 | $1,101-66.6% | $2,647-86.1% | $2,078-82.3% |
| Participant deferral / active EE | $756 | $1,988-61.9% | $3,836-80.3% | $3,356-77.5% |
| Admin fee / account holder | $0 | $134-100.0% | $4,849-100.0% | $115-100.0% |