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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $810 |
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO ADVISORS WACHOVIA SECUR Service code 49 375 PARK AVE · NEWYORK, NY 10152 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,121 | $80,753-76.3% | $136,298-86.0% | $62,293-69.3% |
| Participation rate | 46.1% | 73.5%-27.4pp | 81.9%-35.8pp | 69.5%-23.4pp |
| Annual return | 23.24% | 35.83%-12.6pp | 5156.27%-5133.0pp | 28.90%-5.7pp |
| Employer contribution / active EE | $990 | $2,884-65.7% | $4,696-78.9% | $2,042-51.5% |
| Participant deferral / active EE | $2,782 | $5,164-46.1% | $6,247-55.5% | $3,169-12.2% |
| Admin fee / account holder | $5 | $525-99.1% | $9,244-99.9% | $479-99.0% |