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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $400 |
ADP BROKER-DEALER2+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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 | $6,732 | $23,385-71.2% | $69,182-90.3% | $57,658-88.3% |
| Participation rate | 4.3% | 37.9%-33.6pp | 55.1%-50.8pp | 70.2%-66.0pp |
| Annual return | 8.59% | -659.34%+667.9pp | -21.93%+30.5pp | 5.13%+3.5pp |
| Employer contribution / active EE | $0 | $422-100.0% | $1,206-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $127 | $843-85.0% | $1,897-93.3% | $3,061-95.9% |
| Admin fee / account holder | $20 | $82-75.6% | $2,697-99.3% | $95-78.8% |