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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $18,948 |
ADP BROKER-DEALER5+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,986 |
ADP BROKER-DEALER5+ 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,454 | $25,302-78.4% | $74,719-92.7% | $67,579-91.9% |
| Participation rate | 15.8% | 37.8%-22.0pp | 54.5%-38.7pp | 71.3%-55.5pp |
| Annual return | 20.05% | 10291.17%-10271.1pp | 753.05%-733.0pp | 378.56%-358.5pp |
| Employer contribution / active EE | $76 | $446-83.1% | $1,084-93.0% | $2,148-96.5% |
| Participant deferral / active EE | $352 | $954-63.1% | $1,963-82.1% | $3,539-90.1% |
| Admin fee / account holder | $12 | $108-88.7% | $3,334-99.6% | $142-91.5% |