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| Provider | Service type | Compensation |
|---|---|---|
SRPC, INC1 year Service code 15 · EIN 81-2204426 | Recordkeeping | $8,487 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,473 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,526 | $79,045-61.4% | $100,378-69.6% | $74,429-59.0% |
| Participation rate | 63.4% | 79.4%-16.0pp | 81.5%-18.1pp | 67.2%-3.8pp |
| Annual return | 21.99% | 20.61%+1.4pp | 49.41%-27.4pp | 1368.38%-1346.4pp |
| Employer contribution / active EE | $0 | $3,015-100.0% | $3,942-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $10,808 | $7,751+39.4% | $8,087+33.7% | $4,348+148.6% |
| Admin fee / account holder | $78 | $1,335-94.2% | $7,899-99.0% | $1,944-96.0% |