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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ROYAL ALLIANCE ASSOCIATES, INC. Service code 15 · EIN 93-0987232 | Recordkeeping | $8,084 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,979 |
ADP BROKER-DEALER6+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,920 | $99,957-76.1% | $149,730-84.0% | $73,493-67.5% |
| Participation rate | 77.7% | 75.7%+2.0pp | 82.5%-4.8pp | 70.7%+7.0pp |
| Annual return | 24.59% | 53.87%-29.3pp | 276.70%-252.1pp | 28.51%-3.9pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,645-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $3,723 | $6,073-38.7% | $6,843-45.6% | $3,740-0.4% |
| Admin fee / account holder | $67 | $551-87.9% | $9,310-99.3% | $513-87.0% |