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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Service code 59 · EIN 22-3319984 | Shareholder Servicing | $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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,636 | $79,694-70.3% | $96,192-75.4% | $79,389-70.2% |
| Participation rate | 54.2% | 54.0%+0.2pp | 68.4%-14.2pp | 70.7%-16.5pp |
| Annual return | 27.21% | 40.84%-13.6pp | 192.09%-164.9pp | 116.89%-89.7pp |
| Employer contribution / active EE | $1,614 | $1,443+11.9% | $2,799-42.3% | $2,428-33.5% |
| Participant deferral / active EE | $1,966 | $2,539-22.5% | $4,351-54.8% | $4,046-51.4% |
| Admin fee / account holder | $252 | $630-59.9% | $5,539-95.4% | $626-59.7% |