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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $650 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: RAYMOND JAMES ASSOCIATES Service code 49 151 MEETING STEET · CHARLESTON, SC 29401 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $23,679 | $38,969-39.2% | $109,313-78.3% | $55,167-57.1% |
| Participation rate | 56.6% | 58.2%-1.6pp | 71.3%-14.6pp | 69.0%-12.3pp |
| Annual return | 7.86% | 8.26%-0.4pp | 22.07%-14.2pp | 169.23%-161.4pp |
| Employer contribution / active EE | $1,134 | $1,227-7.6% | $3,892-70.9% | $1,963-42.2% |
| Participant deferral / active EE | $1,334 | $2,176-38.7% | $3,166-57.9% | $3,054-56.3% |
| Admin fee / account holder | $6 | $501-98.9% | $5,666-99.9% | $504-98.9% |