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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $600 |
ADP BROKER-DEALER2 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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $19,130 | $46,297-58.7% | $71,671-73.3% | $62,293-69.3% |
| Participation rate | 58.7% | 60.6%-1.9pp | 68.7%-10.0pp | 69.5%-10.8pp |
| Annual return | 17.10% | 22.32%-5.2pp | 20.65%-3.5pp | 28.90%-11.8pp |
| Employer contribution / active EE | $548 | $1,412-61.2% | $2,460-77.7% | $2,042-73.2% |
| Participant deferral / active EE | $1,650 | $2,235-26.2% | $3,438-52.0% | $3,169-47.9% |
| Admin fee / account holder | $6 | $461-98.7% | $5,558-99.9% | $479-98.8% |