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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $690 |
ADP BROKER-DEALER5+ 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.
Annual investment return 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 | $46,148 | $65,378-29.4% | $87,103-47.0% | $65,186-29.2% |
| Participation rate | 12.8% | 75.3%-62.5pp | 76.9%-64.1pp | 70.2%-57.4pp |
| Annual return | 13.83% | 31.28%-17.4pp | 28.19%-14.4pp | 29.39%-15.6pp |
| Employer contribution / active EE | $0 | $1,823-100.0% | $2,521-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $755 | $3,389-77.7% | $4,049-81.3% | $3,514-78.5% |
| Admin fee / account holder | $29 | $520-94.5% | $7,491-99.6% | $847-96.6% |