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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participant contribution per participant 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.
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 | $3,200 | $42,582-92.5% | $171,082-98.1% | $57,658-94.5% |
| Participation rate | 78.4% | 63.9%+14.5pp | 76.7%+1.7pp | 70.2%+8.2pp |
| Annual return | 9.34% | 308.67%-299.3pp | 32.56%-23.2pp | 5.13%+4.2pp |
| Employer contribution / active EE | $0 | $1,306-100.0% | $4,002-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $891 | $2,933-69.6% | $4,797-81.4% | $3,061-70.9% |
| Admin fee / account holder | $0 | $82-100.0% | $8,520-100.0% | $95-100.0% |