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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,159 |
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 | $9,085 | $62,132-85.4% | $185,861-95.1% | $73,497-87.6% |
| Participation rate | 38.2% | 67.8%-29.6pp | 78.0%-39.9pp | 70.7%-32.5pp |
| Annual return | 17.82% | 20.44%-2.6pp | 35.96%-18.1pp | 28.51%-10.7pp |
| Employer contribution / active EE | $575 | $1,681-65.8% | $4,088-85.9% | $2,270-74.7% |
| Participant deferral / active EE | $1,097 | $3,711-70.4% | $5,634-80.5% | $3,740-70.7% |
| Admin fee / account holder | $31 | $419-92.6% | $9,503-99.7% | $513-94.0% |