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| Provider | Service type | Compensation |
|---|---|---|
BCG SECURITIES3+ years Filed as: BCG SECURITIES INC. Service code 15 · EIN 23-1664237 | Recordkeeping | $9,707 |
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,206 |
ADP BROKER-DEALER3+ 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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $22,960 | $52,639-56.4% | $185,117-87.6% | $62,293-63.1% |
| Participation rate | 58.5% | 63.9%-5.4pp | 77.3%-18.8pp | 69.5%-11.1pp |
| Annual return | 19.75% | 19.57%+0.2pp | 40.50%-20.7pp | 28.90%-9.1pp |
| Employer contribution / active EE | $117 | $1,483-92.1% | $4,182-97.2% | $2,042-94.3% |
| Participant deferral / active EE | $1,239 | $3,097-60.0% | $5,045-75.4% | $3,169-60.9% |
| Admin fee / account holder | $115 | $374-69.3% | $8,159-98.6% | $479-76.0% |