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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $18,559 |
Service code 15 · EIN 16-1540153 | Recordkeeping | $15,161 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $46,188 | $66,124-30.2% | $90,430-48.9% | $73,493-37.2% |
| Participation rate | 40.0% | 69.7%-29.7pp | 72.7%-32.7pp | 70.7%-30.7pp |
| Annual return | 10.13% | 17.65%-7.5pp | 1293.73%-1283.6pp | 28.51%-18.4pp |
| Employer contribution / active EE | $242 | $2,346-89.7% | $3,262-92.6% | $2,270-89.3% |
| Participant deferral / active EE | $2,349 | $3,039-22.7% | $3,963-40.7% | $3,740-37.2% |
| Admin fee / account holder | $416 | $396+5.1% | $5,613-92.6% | $513-18.9% |