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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $135,065 |
AMERICAN FUNDS1 year Filed as: NEWPORT CAPITAL GROUP LLC Service code 15 · EIN 37-6572947 | Recordkeeping | $9,690 |
ADP BROKER-DEALER2 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Annual investment return 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 | $1,912 | $53,204-96.4% | $155,556-98.8% | $200,096-99.0% |
| Participation rate | 79.6% | 64.1%+15.5pp | 78.2%+1.4pp | 72.0%+7.6pp |
| Annual return | 4.85% | 41.02%-36.2pp | 64.84%-60.0pp | 34.26%-29.4pp |
| Employer contribution / active EE | $0 | $1,850-100.0% | $4,675-100.0% | $3,038-100.0% |
| Participant deferral / active EE | $1,120 | $3,163-64.6% | $5,631-80.1% | $5,090-78.0% |
| Admin fee / account holder | $86 | $186-53.7% | $15,885-99.5% | $269-68.0% |