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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $24,598 |
PRINCIPLED ADVISORS, INC.2+ years Service code 15 · EIN 59-3782727 | Recordkeeping | $17,008 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $31,918 | $81,494-60.8% | $133,978-76.2% | $73,497-56.6% |
| Participation rate | 71.8% | 76.4%-4.5pp | 79.8%-8.0pp | 70.7%+1.1pp |
| Annual return | 23.76% | 19.40%+4.4pp | 45.10%-21.3pp | 28.51%-4.8pp |
| Employer contribution / active EE | $2,451 | $2,210+10.9% | $3,919-37.5% | $2,270+8.0% |
| Participant deferral / active EE | $4,724 | $3,787+24.7% | $5,047-6.4% | $3,740+26.3% |
| Admin fee / account holder | $356 | $713-50.2% | $8,930-96.0% | $513-30.7% |