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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $17,609 |
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $300 |
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.
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 | $21,341 | $32,425-34.2% | $74,577-71.4% | $55,167-61.3% |
| Participation rate | 33.6% | 54.0%-20.4pp | 68.1%-34.5pp | 69.0%-35.4pp |
| Annual return | 5.78% | 10.63%-4.9pp | 20.47%-14.7pp | 169.23%-163.5pp |
| Employer contribution / active EE | $637 | $1,043-39.0% | $2,525-74.8% | $1,963-67.5% |
| Participant deferral / active EE | $1,964 | $1,995-1.6% | $3,458-43.2% | $3,054-35.7% |
| Admin fee / account holder | $5 | $748-99.4% | $4,138-99.9% | $504-99.1% |