Filed October 31, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 45-3794639 | Recordkeeping | $9,235 |
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $7,083 |
ADP BROKER-DEALER2+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $25,105 | $39,859-37.0% | $78,676-68.1% | $57,658-56.5% |
| Participation rate | 60.3% | 66.1%-5.8pp | 73.6%-13.2pp | 70.2%-9.9pp |
| Annual return | 5.21% | 18.96%-13.8pp | 62.19%-57.0pp | 5.13%+0.1pp |
| Employer contribution / active EE | $854 | $1,786-52.2% | $2,850-70.0% | $1,974-56.7% |
| Participant deferral / active EE | $2,205 | $2,248-1.9% | $3,517-37.3% | $3,061-28.0% |
| Admin fee / account holder | $90 | $76+17.6% | $4,510-98.0% | $95-5.2% |