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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $100 |
ADP BROKER-DEALER1+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
RBC WEALTH MANAGEMENT1+ years Service code 49 200 GLASTONBURY BLVD · GLASTONBURY, CT 06033 | 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 | $66,720 | $88,324-24.5% | $115,038-42.0% | $55,191+20.9% |
| Participation rate | 16.2% | 72.5%-56.3pp | 81.4%-65.2pp | 69.2%-52.9pp |
| Annual return | 0.82% | 6.30%-5.5pp | 26.14%-25.3pp | 10.78%-10.0pp |
| Employer contribution / active EE | $0 | $2,805-100.0% | $4,608-100.0% | $1,899-100.0% |
| Participant deferral / active EE | $916 | $5,042-81.8% | $6,026-84.8% | $3,046-69.9% |
| Admin fee / account holder | $2 | $105-98.4% | $8,175-100.0% | $91-98.1% |