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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $6,286 |
ADP BROKER-DEALER3+ 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.
Annual investment return 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,648 | $35,183-95.3% | $73,545-97.8% | $70,124-97.7% |
| Participation rate | 67.7% | 42.9%+24.8pp | 54.9%+12.8pp | 69.5%-1.8pp |
| Annual return | 10.91% | 26.90%-16.0pp | -15.16%+26.1pp | 73.14%-62.2pp |
| Employer contribution / active EE | $322 | $709-54.5% | $1,219-73.5% | $2,342-86.2% |
| Participant deferral / active EE | $1,263 | $1,220+3.5% | $1,806-30.1% | $3,332-62.1% |
| Admin fee / account holder | $65 | $2,302-97.2% | $2,320-97.2% | $4,645-98.6% |