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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 | $41,016-25.6% | $152,093-79.9% | $64,097-52.4% |
| Participation rate | 63.7% | 51.3%+12.4pp | 77.8%-14.1pp | 55.2%+8.5pp |
| Annual return | 10.20% | 39.60%-29.4pp | 66.36%-56.2pp | 34.64%-24.4pp |
| Employer contribution / active EE | $1,253 | $1,342-6.7% | $4,175-70.0% | $1,891-33.8% |
| Participant deferral / active EE | $2,356 | $1,927+22.3% | $5,451-56.8% | $3,080-23.5% |
| Admin fee / account holder | $333 | $2,305-85.6% | $14,497-97.7% | $3,454-90.4% |