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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $15,447 |
ADP BROKER-DEALER5 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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,249 | $110,483-88.9% | $145,433-91.6% | $79,634-84.6% |
| Participation rate | 56.3% | 71.1%-14.8pp | 82.1%-25.8pp | 62.5%-6.1pp |
| Annual return | 19.61% | 24.62%-5.0pp | 66.58%-47.0pp | 36.46%-16.9pp |
| Employer contribution / active EE | $0 | $4,053-100.0% | $4,554-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $2,222 | $7,216-69.2% | $7,897-71.9% | $3,835-42.1% |
| Admin fee / account holder | $67 | $680-90.2% | $13,129-99.5% | $1,002-93.4% |