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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ 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.
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 | $37,792 | $75,183-49.7% | $123,894-69.5% | $55,167-31.5% |
| Participation rate | 23.1% | 72.8%-49.7pp | 81.4%-58.3pp | 69.0%-45.9pp |
| Annual return | 2.89% | 19.01%-16.1pp | 47.52%-44.6pp | 169.23%-166.3pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,621 | $5,084-48.4% | $5,984-56.2% | $3,054-14.2% |
| Admin fee / account holder | $0 | $663-100.0% | $8,357-100.0% | $504-100.0% |