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| Provider | Service type | Compensation |
|---|---|---|
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 | $8,535 | $46,297-81.6% | $71,671-88.1% | $62,293-86.3% |
| Participation rate | 37.1% | 60.6%-23.6pp | 68.7%-31.7pp | 69.5%-32.4pp |
| Annual return | 5.96% | 22.32%-16.4pp | 20.65%-14.7pp | 28.90%-22.9pp |
| Employer contribution / active EE | $1,011 | $1,412-28.4% | $2,460-58.9% | $2,042-50.5% |
| Participant deferral / active EE | $1,475 | $2,235-34.0% | $3,438-57.1% | $3,169-53.5% |
| Admin fee / account holder | $18 | $461-96.1% | $5,558-99.7% | $479-96.3% |