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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $697 |
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 | $9,380 | $162,322-94.2% | $135,942-93.1% | - |
| Participation rate | 59.6% | 71.5%-11.9pp | 81.9%-22.3pp | - |
| Annual return | 15.82% | 15.22%+0.6pp | 68.28%-52.5pp | - |
| Employer contribution / active EE | $0 | $3,400-100.0% | $4,858-100.0% | - |
| Participant deferral / active EE | $3,744 | $5,722-34.6% | $7,759-51.7% | - |
| Admin fee / account holder | $3 | $23,877-100.0% | $10,764-100.0% | - |