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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER6 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $24,634 |
ADP BROKER-DEALER8 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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,290 | $110,483-96.1% | $145,433-97.1% | $79,634-94.6% |
| Participation rate | 42.2% | 71.1%-28.9pp | 82.1%-39.9pp | 62.5%-20.2pp |
| Annual return | 16.93% | 24.62%-7.7pp | 66.58%-49.6pp | 36.46%-19.5pp |
| Employer contribution / active EE | $0 | $4,053-100.0% | $4,554-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $2,318 | $7,216-67.9% | $7,897-70.7% | $3,835-39.6% |
| Admin fee / account holder | $29 | $680-95.8% | $13,129-99.8% | $1,002-97.1% |