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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,200 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: NORTHEAST SECURITIES, INC. Service code 49 333 EARL OVINGTON BLVD SUITE 706 · MITCHELL FIELD, NY 11553 | Other Services | $0 |
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).
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 | $27,463 | $71,802-61.8% | $133,975-79.5% | $57,658-52.4% |
| Participation rate | 29.6% | 85.5%-55.9pp | 87.1%-57.5pp | 70.2%-40.7pp |
| Annual return | 30.59% | 13.51%+17.1pp | 29.29%+1.3pp | 5.13%+25.5pp |
| Employer contribution / active EE | $0 | $3,161-100.0% | $5,211-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $2,661 | $4,606-42.2% | $6,282-57.6% | $3,061-13.1% |
| Admin fee / account holder | $26 | $88-70.8% | $9,324-99.7% | $95-72.9% |