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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $6,474 |
ADP BROKER-DEALER8+ 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,086 | $51,223-78.4% | $82,763-86.6% | $66,949-83.4% |
| Participation rate | 15.7% | 67.9%-52.2pp | 72.6%-56.8pp | 69.8%-54.1pp |
| Annual return | -20.08% | -9.85%-10.2pp | 702.45%-722.5pp | 1.57%-21.7pp |
| Employer contribution / active EE | $0 | $2,611-100.0% | $3,008-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,122 | $3,460-67.6% | $4,395-74.5% | $4,239-73.5% |
| Admin fee / account holder | $97 | $415-76.7% | $5,325-98.2% | $594-83.7% |