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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $1,645 |
ADP BROKER-DEALER4 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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,998 | $106,247-95.3% | $147,096-96.6% | $77,714-93.6% |
| Participation rate | 66.0% | 78.4%-12.3pp | 82.2%-16.1pp | 70.6%-4.5pp |
| Annual return | 19.35% | 56.87%-37.5pp | 419.75%-400.4pp | 31.26%-11.9pp |
| Employer contribution / active EE | $0 | $4,069-100.0% | $4,936-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $2,419 | $7,996-69.7% | $8,071-70.0% | $4,649-48.0% |
| Admin fee / account holder | $4 | $338-98.9% | $13,005-100.0% | $433-99.1% |