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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $20,732 |
Service code 15 · EIN 83-1354142 | Recordkeeping | $7,090 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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).
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 | $23,832 | $98,982-75.9% | $162,177-85.3% | $65,185-63.4% |
| Participation rate | 60.3% | 85.8%-25.5pp | 87.6%-27.3pp | 70.2%-9.9pp |
| Annual return | 29.58% | 24.84%+4.7pp | 115.60%-86.0pp | 29.38%+0.2pp |
| Employer contribution / active EE | $647 | $3,467-81.3% | $5,613-88.5% | $2,177-70.3% |
| Participant deferral / active EE | $4,147 | $5,384-23.0% | $7,297-43.2% | $3,514+18.0% |
| Admin fee / account holder | $170 | $596-71.6% | $10,843-98.4% | $847-80.0% |