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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,375 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,943 | $77,460-69.1% | $100,378-76.1% | $80,925-70.4% |
| Participation rate | 94.4% | 76.9%+17.4pp | 81.5%+12.9pp | 67.7%+26.7pp |
| Annual return | 13.14% | 37.24%-24.1pp | 49.41%-36.3pp | 35.65%-22.5pp |
| Employer contribution / active EE | $203 | $2,801-92.8% | $3,942-94.9% | $2,756-92.6% |
| Participant deferral / active EE | $4,759 | $6,818-30.2% | $8,087-41.2% | $4,299+10.7% |
| Admin fee / account holder | $41 | $5,887-99.3% | $7,899-99.5% | $6,940-99.4% |