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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $6,075 |
ADP BROKER-DEALER5 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
LPL FINANCIAL5 years Service code 49 325 COLUMBIA TURNPIKE STE 106 · FLORHAM PARK, NJ 07932 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $11,981 | $47,766-74.9% | $82,706-85.5% | $64,814-81.5% |
| Participation rate | 19.1% | 67.7%-48.6pp | 72.6%-53.5pp | 71.5%-52.4pp |
| Annual return | -10.24% | -13.06%+2.8pp | 701.76%-712.0pp | 32.84%-43.1pp |
| Employer contribution / active EE | $540 | $2,182-75.2% | $3,007-82.0% | $2,507-78.4% |
| Participant deferral / active EE | $919 | $3,332-72.4% | $4,394-79.1% | $4,310-78.7% |
| Admin fee / account holder | $31 | $143-78.0% | $5,329-99.4% | $188-83.2% |