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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $700 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: AMERIPRISE FINANCIAL Service code 49 1825 CORPORATE BLVD NW · BOCA RATON, FL 33431 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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 | $6,431 | $80,177-92.0% | $123,894-94.8% | $57,658-88.8% |
| Participation rate | 10.3% | 74.4%-64.1pp | 81.4%-71.1pp | 70.2%-59.9pp |
| Annual return | 8.37% | 17.90%-9.5pp | 47.52%-39.1pp | 5.13%+3.2pp |
| Employer contribution / active EE | $0 | $2,913-100.0% | $4,617-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $316 | $5,130-93.8% | $5,984-94.7% | $3,061-89.7% |
| Admin fee / account holder | $15 | $106-85.7% | $8,357-99.8% | $95-83.9% |