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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $715 |
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: NORTHWESTERN MUTUAL Service code 49 ONE BEACON STREET · BOSTON, MA 02108 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $20,104 | $58,655-65.7% | $91,994-78.1% | $65,185-69.2% |
| Participation rate | 58.9% | 75.3%-16.4pp | 78.6%-19.7pp | 70.2%-11.3pp |
| Annual return | 43.39% | 33.92%+9.5pp | 69.04%-25.7pp | 29.38%+14.0pp |
| Employer contribution / active EE | $1,352 | $2,080-35.0% | $3,453-60.9% | $2,177-37.9% |
| Participant deferral / active EE | $4,776 | $5,474-12.8% | $5,924-19.4% | $3,514+35.9% |
| Admin fee / account holder | $7 | $434-98.5% | $7,744-99.9% | $847-99.2% |