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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $3,105 |
TD AMERITRADE, INC.1 year Service code 33 · EIN 82-0543156 | Distribution (12b-1) fees; Securities... | $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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,190 | $136,307-73.4% | $177,848-79.7% | $73,497-50.8% |
| Participation rate | 55.0% | 86.1%-31.1pp | 87.7%-32.8pp | 70.7%-15.7pp |
| Annual return | 15.22% | 18.68%-3.5pp | 48.33%-33.1pp | 28.51%-13.3pp |
| Employer contribution / active EE | $0 | $3,712-100.0% | $5,919-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $3,899 | $5,829-33.1% | $7,714-49.5% | $3,740+4.2% |
| Admin fee / account holder | $21 | $596-96.5% | $12,431-99.8% | $513-95.9% |