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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-5674085 | Recordkeeping | $12,957 |
ADP BROKER-DEALER7 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,395 | $45,119-43.7% | $85,126-70.2% | $74,429-65.9% |
| Participation rate | 89.3% | 49.4%+40.0pp | 67.5%+21.8pp | 67.2%+22.1pp |
| Annual return | 11.74% | 26.28%-14.5pp | 66.63%-54.9pp | 1368.38%-1356.6pp |
| Employer contribution / active EE | $1,420 | $1,460-2.8% | $2,731-48.0% | $2,625-45.9% |
| Participant deferral / active EE | $3,109 | $2,738+13.6% | $4,523-31.3% | $4,348-28.5% |
| Admin fee / account holder | $100 | $2,214-95.5% | $6,160-98.4% | $1,944-94.8% |