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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $5,880 |
ADP BROKER-DEALER6+ 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.
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).
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 | $10,480 | $60,139-82.6% | $90,461-88.4% | $79,856-86.9% |
| Participation rate | 31.0% | 65.0%-34.0pp | 72.7%-41.7pp | 69.6%-38.6pp |
| Annual return | 8.41% | 71.96%-63.6pp | 1294.76%-1286.4pp | 31.71%-23.3pp |
| Employer contribution / active EE | $0 | $2,069-100.0% | $3,264-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,173 | $2,939-60.1% | $3,964-70.4% | $3,741-68.6% |
| Admin fee / account holder | $125 | $3,978-96.9% | $5,617-97.8% | $5,306-97.6% |