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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $850 |
ADP BROKER-DEALER1+ 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.
Annual investment return 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).
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 | $3,730 | $22,714-83.6% | $59,496-93.7% | $55,191-93.2% |
| Participation rate | 8.7% | 37.5%-28.7pp | 54.6%-45.8pp | 69.2%-60.4pp |
| Annual return | -18.83% | -44.01%+25.2pp | 182.05%-200.9pp | 10.78%-29.6pp |
| Employer contribution / active EE | $62 | $418-85.1% | $1,153-94.6% | $1,899-96.7% |
| Participant deferral / active EE | $287 | $843-65.9% | $1,829-84.3% | $3,046-90.6% |
| Admin fee / account holder | $27 | $83-68.1% | $2,232-98.8% | $91-70.7% |