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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $43,410 |
COMMONWEALTH FINANCIAL NETWORK1+ years Filed as: COMMONWEALTH EQUITY SERVICES, INC. Service code 15 · EIN 04-2675571 | Recordkeeping | $17,853 |
ADP BROKER-DEALER1+ 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 | $24,372 | $79,519-69.4% | $95,956-74.6% | $73,412-66.8% |
| Participation rate | 97.5% | 81.2%+16.3pp | 77.1%+20.4pp | 72.2%+25.3pp |
| Annual return | 0.00% | 19.20%-19.2pp | 91.63%-91.6pp | 59.30%-59.3pp |
| Employer contribution / active EE | $1,888 | $2,048-7.8% | $2,541-25.7% | $2,234-15.5% |
| Participant deferral / active EE | $4,197 | $4,138+1.4% | $4,167+0.7% | $3,806+10.3% |
| Admin fee / account holder | $163 | $184-11.6% | $6,797-97.6% | $158+3.2% |