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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $5,986 |
ADP BROKER-DEALER3+ 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.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $20,409 | $60,396-66.2% | $111,392-81.7% | $56,289-63.7% |
| Participation rate | 59.6% | 72.4%-12.8pp | 78.9%-19.3pp | 69.9%-10.3pp |
| Annual return | -8.28% | 20.26%-28.5pp | -2.06%-6.2pp | -9.96%+1.7pp |
| Employer contribution / active EE | $1,330 | $3,459-61.6% | $4,328-69.3% | $2,111-37.0% |
| Participant deferral / active EE | $3,363 | $4,421-23.9% | $5,567-39.6% | $3,350+0.4% |
| Admin fee / account holder | $29 | $610-95.2% | $12,266-99.8% | $521-94.4% |