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| Provider | Service type | Compensation |
|---|---|---|
RBM LLP1 year Service code 15 · EIN 20-1260436 | Recordkeeping | $11,000 |
ADP BROKER-DEALER5+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,255 |
ADP BROKER-DEALER5+ 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.
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).
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 | $12,985 | $54,237-76.1% | $90,304-85.6% | $67,579-80.8% |
| Participation rate | 65.3% | 68.6%-3.3pp | 73.3%-8.0pp | 71.3%-6.0pp |
| Annual return | 21.21% | 37.27%-16.1pp | 78.13%-56.9pp | 378.56%-357.3pp |
| Employer contribution / active EE | $363 | $1,846-80.3% | $2,855-87.3% | $2,148-83.1% |
| Participant deferral / active EE | $1,135 | $2,625-56.8% | $3,885-70.8% | $3,539-67.9% |
| Admin fee / account holder | $60 | $123-51.6% | $5,354-98.9% | $142-58.0% |