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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: ROYAL ALLIANCE SECURITIES Service code 49 4801 S UNIVERSITY DR · DAVIE, FL 33328 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $15,290 | $47,977-68.1% | $154,114-90.1% | $56,287-72.8% |
| Participation rate | 39.1% | 66.2%-27.1pp | 83.0%-43.9pp | 69.9%-30.7pp |
| Annual return | 13.92% | 3.54%+10.4pp | 735.16%-721.2pp | -9.96%+23.9pp |
| Employer contribution / active EE | $0 | $2,169-100.0% | $5,298-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,604 | $2,392-32.9% | $5,081-68.4% | $3,350-52.1% |
| Admin fee / account holder | $0 | $438-100.0% | $13,411-100.0% | $521-100.0% |