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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $957 |
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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,805 | $44,764-87.0% | $68,803-91.6% | $64,824-91.0% |
| Participation rate | 11.6% | 64.8%-53.2pp | 69.0%-57.4pp | 71.5%-59.9pp |
| Annual return | -16.38% | -10.91%-5.5pp | -6.37%-10.0pp | 32.84%-49.2pp |
| Employer contribution / active EE | $0 | $1,775-100.0% | $2,656-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $483 | $3,238-85.1% | $3,942-87.7% | $4,311-88.8% |
| Admin fee / account holder | $14 | $151-90.6% | $4,936-99.7% | $188-92.4% |