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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $1,510 |
ADP BROKER-DEALER3 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
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).
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 | $27,735 | $30,421-8.8% | $56,077-50.5% | $74,429-62.7% |
| Participation rate | 73.1% | 32.9%+40.2pp | 52.5%+20.6pp | 67.2%+5.9pp |
| Annual return | 9.49% | 24.94%-15.4pp | 1709.28%-1699.8pp | 1368.38%-1358.9pp |
| Employer contribution / active EE | $4,003 | $610+556.4% | $1,040+284.7% | $2,625+52.5% |
| Participant deferral / active EE | $4,074 | $1,175+246.7% | $1,954+108.5% | $4,348-6.3% |
| Admin fee / account holder | $7 | $2,363-99.7% | $2,825-99.8% | $1,944-99.6% |