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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 | $30,423-8.8% | $56,025-50.5% | $74,478-62.8% |
| Participation rate | 73.1% | 32.9%+40.2pp | 52.5%+20.6pp | 67.2%+5.9pp |
| Annual return | 9.49% | 24.97%-15.5pp | 1712.69%-1703.2pp | 1370.56%-1361.1pp |
| Employer contribution / active EE | $4,003 | $610+555.8% | $1,042+284.3% | $2,626+52.4% |
| Participant deferral / active EE | $4,074 | $1,176+246.3% | $1,955+108.4% | $4,350-6.3% |
| Admin fee / account holder | $7 | $2,363-99.7% | $2,828-99.8% | $1,946-99.6% |