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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $26,510 |
CADARET GRANT & CO INC2 years Service code 15 · EIN 22-2361254 | Recordkeeping | $10,116 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,523 | $45,343-32.7% | $150,298-79.7% | $67,986-55.1% |
| Participation rate | 63.7% | 51.9%+11.8pp | 77.8%-14.1pp | 57.2%+6.5pp |
| Annual return | 10.20% | 33.28%-23.1pp | 62.79%-52.6pp | 31.67%-21.5pp |
| Employer contribution / active EE | $1,253 | $1,462-14.3% | $4,154-69.8% | $2,019-37.9% |
| Participant deferral / active EE | $2,356 | $2,055+14.7% | $5,453-56.8% | $3,358-29.8% |
| Admin fee / account holder | $333 | $2,250-85.2% | $14,116-97.6% | $3,203-89.6% |