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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,035 |
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
COMMONWEALTH FINANCIAL NETWORK3+ years Filed as: COMMONWEALTH FINANCIAL Service code 49 9713 KEY WEST AVENUE SUITE 401 · ROCKVILLE, MD 20850 | 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $8,046 | $46,173-82.6% | $170,435-95.3% | $69,631-88.4% |
| Participation rate | 9.9% | 63.9%-54.0pp | 83.6%-73.7pp | 70.7%-60.8pp |
| Annual return | 29.88% | 21.62%+8.3pp | 205.94%-176.1pp | 27571.02%-27541.1pp |
| Employer contribution / active EE | $0 | $1,610-100.0% | $5,432-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $312 | $2,080-85.0% | $4,939-93.7% | $3,224-90.3% |
| Admin fee / account holder | $17 | $116-85.1% | $13,881-99.9% | $110-84.4% |