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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,134 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,091 | $91,474-71.5% | $135,982-80.8% | $71,529-63.5% |
| Participation rate | 26.2% | 75.7%-49.5pp | 81.9%-55.7pp | 67.9%-41.8pp |
| Annual return | 17.10% | 29.89%-12.8pp | 68.32%-51.2pp | 28.97%-11.9pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $4,701 | $7,095-33.7% | $7,760-39.4% | $4,291+9.5% |
| Admin fee / account holder | $13 | $1,267-99.0% | $10,767-99.9% | $1,588-99.2% |