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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $20,419 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $18,317 |
MMA SECURITIES LLC2 years Filed as: MMA SECURITIES, LLC Service code 15 · EIN 22-3570392 | Recordkeeping | $16,906 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,895 | $45,109-18.2% | $85,240-56.7% | $77,762-52.6% |
| Participation rate | 53.3% | 48.7%+4.6pp | 67.5%-14.2pp | 70.6%-17.3pp |
| Annual return | 15.30% | 79.55%-64.3pp | 66.75%-51.5pp | 31.27%-16.0pp |
| Employer contribution / active EE | $719 | $1,602-55.1% | $2,735-73.7% | $2,728-73.6% |
| Participant deferral / active EE | $2,183 | $2,814-22.4% | $4,527-51.8% | $4,651-53.1% |
| Admin fee / account holder | $143 | $915-84.4% | $6,165-97.7% | $433-67.0% |