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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $23,341 |
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $4,819 |
ADP BROKER-DEALER2+ 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.
Employer 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,272 | $37,044-58.8% | $71,796-78.7% | $57,658-73.5% |
| Participation rate | 31.5% | 61.1%-29.6pp | 69.1%-37.6pp | 70.2%-38.8pp |
| Annual return | 9.48% | 12.64%-3.2pp | 78.04%-68.6pp | 5.13%+4.3pp |
| Employer contribution / active EE | $52 | $720-92.8% | $1,924-97.3% | $1,974-97.4% |
| Participant deferral / active EE | $1,517 | $1,974-23.2% | $2,794-45.7% | $3,061-50.4% |
| Admin fee / account holder | $23 | $101-77.4% | $4,815-99.5% | $95-75.8% |