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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $31,675 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,725 |
ADP BROKER-DEALER1+ 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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $44,950 | $53,412-15.8% | $68,509-34.4% | $52,331-14.1% |
| Participation rate | 50.6% | 71.7%-21.0pp | 74.7%-24.1pp | 68.1%-17.5pp |
| Annual return | -1.01% | 3.42%-4.4pp | 8.27%-9.3pp | 4.54%-5.5pp |
| Employer contribution / active EE | $255 | $1,607-84.1% | $2,278-88.8% | $1,882-86.5% |
| Participant deferral / active EE | $2,074 | $2,688-22.8% | $3,382-38.7% | $3,022-31.4% |
| Admin fee / account holder | $15 | $461-96.7% | $5,275-99.7% | $592-97.4% |