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| Provider | Service type | Compensation |
|---|---|---|
CAMBRIDGE WEALTH ADVISORS2 years Service code 15 · EIN 27-0397626 | Recordkeeping | $25,054 |
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,866 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,406 | $106,247-72.3% | $147,096-80.0% | $77,714-62.2% |
| Participation rate | 29.2% | 78.4%-49.2pp | 82.2%-53.0pp | 70.6%-41.4pp |
| Annual return | 18.76% | 56.87%-38.1pp | 419.75%-401.0pp | 31.26%-12.5pp |
| Employer contribution / active EE | $0 | $4,069-100.0% | $4,936-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $3,343 | $7,996-58.2% | $8,071-58.6% | $4,649-28.1% |
| Admin fee / account holder | $128 | $338-62.0% | $13,005-99.0% | $433-70.4% |