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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $16,833 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $23,267 | $45,126-48.4% | $85,187-72.7% | $74,459-68.8% |
| Participation rate | 18.8% | 49.4%-30.5pp | 67.5%-48.7pp | 67.2%-48.4pp |
| Annual return | 6.42% | 26.30%-19.9pp | 66.67%-60.2pp | 1369.70%-1363.3pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $2,732-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,956 | $2,738+7.9% | $4,525-34.7% | $4,350-32.0% |
| Admin fee / account holder | $163 | $2,212-92.6% | $6,162-97.3% | $1,945-91.6% |