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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $5,727 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $325 |
ADP BROKER-DEALER1+ 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.
Annual investment return 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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $12,617 | $45,566-72.3% | $64,105-80.3% | $59,633-78.8% |
| Participation rate | 40.3% | 60.2%-19.9pp | 68.2%-27.9pp | 68.7%-28.4pp |
| Annual return | -13.12% | 4.95%-18.1pp | 791.24%-804.4pp | 2041.40%-2054.5pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,797 | $2,057-12.6% | $2,822-36.3% | $3,192-43.7% |
| Admin fee / account holder | $10 | $3,268-99.7% | $4,499-99.8% | $4,297-99.8% |