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| Provider | Service type | Compensation |
|---|---|---|
SRPC, INC2 years Service code 15 · EIN 81-2204426 | Recordkeeping | $23,837 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $5,105 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $32,050 | $95,438-66.4% | $135,982-76.4% | $74,473-57.0% |
| Participation rate | 44.6% | 78.2%-33.6pp | 81.9%-37.3pp | 70.7%-26.1pp |
| Annual return | 21.65% | 32.61%-11.0pp | 68.32%-46.7pp | 34.36%-12.7pp |
| Employer contribution / active EE | $717 | $3,878-81.5% | $4,859-85.2% | $2,638-72.8% |
| Participant deferral / active EE | $3,854 | $7,790-50.5% | $7,760-50.3% | $4,530-14.9% |
| Admin fee / account holder | $28 | $259-89.1% | $10,767-99.7% | $347-91.9% |