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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,034 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $12,904 | $50,175-74.3% | $99,479-87.0% | $65,186-80.2% |
| Participation rate | 45.8% | 68.4%-22.6pp | 73.8%-28.0pp | 70.2%-24.4pp |
| Annual return | 32.03% | 25.36%+6.7pp | 30.72%+1.3pp | 29.39%+2.6pp |
| Employer contribution / active EE | $623 | $1,496-58.3% | $2,540-75.5% | $2,177-71.4% |
| Participant deferral / active EE | $1,650 | $2,748-39.9% | $3,619-54.4% | $3,514-53.0% |
| Admin fee / account holder | $15 | $398-96.1% | $6,253-99.8% | $847-98.2% |