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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $5,000 |
ADP BROKER-DEALER3+ 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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
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 | $16,890 | $64,909-74.0% | $82,313-79.5% | $62,293-72.9% |
| Participation rate | 44.0% | 74.9%-30.8pp | 76.9%-32.9pp | 69.5%-25.5pp |
| Annual return | 9.48% | 21.18%-11.7pp | 25.88%-16.4pp | 28.90%-19.4pp |
| Employer contribution / active EE | $746 | $1,676-55.5% | $2,428-69.3% | $2,042-63.4% |
| Participant deferral / active EE | $1,133 | $3,103-63.5% | $3,706-69.4% | $3,169-64.2% |
| Admin fee / account holder | $40 | $440-90.8% | $5,608-99.3% | $479-91.6% |