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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $515 |
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
RBC WEALTH MANAGEMENT3+ years Service code 49 246 FOUNDERS PARK DR · RAPID CITY, SD 57709 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $12,233 | $31,388-61.0% | $73,550-83.4% | $62,293-80.4% |
| Participation rate | 36.1% | 39.9%-3.7pp | 54.9%-18.8pp | 69.5%-33.4pp |
| Annual return | 22.94% | 25.34%-2.4pp | -15.16%+38.1pp | 28.90%-6.0pp |
| Employer contribution / active EE | $0 | $498-100.0% | $1,219-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,006 | $1,028-2.2% | $1,804-44.3% | $3,169-68.3% |
| Admin fee / account holder | $7 | $299-97.6% | $2,320-99.7% | $479-98.5% |