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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $220 |
ADP BROKER-DEALER4+ 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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $39,624 | $59,191-33.1% | $76,767-48.4% | $56,289-29.6% |
| Participation rate | 12.9% | 75.2%-62.3pp | 77.0%-64.1pp | 69.9%-56.9pp |
| Annual return | -3.93% | 6.62%-10.5pp | 2.43%-6.4pp | -9.96%+6.0pp |
| Employer contribution / active EE | $0 | $1,759-100.0% | $2,485-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $725 | $3,255-77.7% | $3,852-81.2% | $3,350-78.4% |
| Admin fee / account holder | $9 | $489-98.2% | $6,675-99.9% | $521-98.3% |