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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $21,800 |
Service code 15 · EIN 20-8764829 | Recordkeeping | $6,849 |
ADP BROKER-DEALER2 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $32,566 | $88,203-63.1% | $165,100-80.3% | $74,478-56.3% |
| Participation rate | 65.3% | 73.1%-7.8pp | 78.6%-13.3pp | 67.2%-1.9pp |
| Annual return | 10.20% | 17.13%-6.9pp | 70.21%-60.0pp | 1370.56%-1360.4pp |
| Employer contribution / active EE | $1,024 | $2,601-60.6% | $4,348-76.5% | $2,626-61.0% |
| Participant deferral / active EE | $3,444 | $4,505-23.6% | $6,035-42.9% | $4,350-20.8% |
| Admin fee / account holder | $235 | $2,235-89.5% | $12,696-98.2% | $1,946-87.9% |