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| Provider | Service type | Compensation |
|---|---|---|
BCG SECURITIES5+ years Filed as: BCG SECURITIES INC. Service code 15 · EIN 23-1664237 | Recordkeeping | $7,939 |
ADP BROKER-DEALER5+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,523 |
ADP BROKER-DEALER5+ 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 | $40,731 | $56,918-28.4% | $182,531-77.7% | $65,185-37.5% |
| Participation rate | 61.5% | 66.5%-5.0pp | 78.0%-16.5pp | 70.2%-8.7pp |
| Annual return | 25.54% | 27.67%-2.1pp | 148.57%-123.0pp | 29.38%-3.8pp |
| Employer contribution / active EE | $143 | $1,615-91.1% | $4,075-96.5% | $2,177-93.4% |
| Participant deferral / active EE | $1,472 | $3,526-58.3% | $5,525-73.4% | $3,514-58.1% |
| Admin fee / account holder | $119 | $531-77.6% | $8,593-98.6% | $847-86.0% |