Filed June 4, 2018
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 47-5476782 | Recordkeeping | $63,670 |
ADP BROKER-DEALER6 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $41,230 |
AMERICAN FUNDS8 years Filed as: THE CAPITAL GROUP Service code 15 · EIN 46-4255096 | Recordkeeping | $5,463 |
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.)
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 | $63,268 | $110,483-42.7% | $145,433-56.5% | $79,634-20.6% |
| Participation rate | 55.5% | 71.1%-15.6pp | 82.1%-26.6pp | 62.5%-7.0pp |
| Annual return | 15.81% | 24.62%-8.8pp | 66.58%-50.8pp | 36.46%-20.7pp |
| Employer contribution / active EE | $1,519 | $4,053-62.5% | $4,554-66.6% | $2,529-39.9% |
| Participant deferral / active EE | $5,622 | $7,216-22.1% | $7,897-28.8% | $3,835+46.6% |
| Admin fee / account holder | $389 | $680-42.9% | $13,129-97.0% | $1,002-61.2% |