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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $825 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: NORTHWESTERN MUTUAL Service code 49 1000 ELM STREET · MANCHESTER, NH 03101 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,756 | $25,723+15.7% | $69,182-57.0% | $55,167-46.1% |
| Participation rate | 27.8% | 39.4%-11.7pp | 55.1%-27.3pp | 69.0%-41.2pp |
| Annual return | 6.62% | 9.56%-2.9pp | -21.93%+28.6pp | 169.23%-162.6pp |
| Employer contribution / active EE | $215 | $480-55.3% | $1,206-82.2% | $1,963-89.1% |
| Participant deferral / active EE | $908 | $963-5.8% | $1,897-52.1% | $3,054-70.3% |
| Admin fee / account holder | $17 | $365-95.3% | $2,697-99.4% | $504-96.6% |