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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,915 |
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.
Employer 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $15,554 | $51,466-69.8% | $78,778-80.3% | $62,293-75.0% |
| Participation rate | 30.9% | 59.8%-28.9pp | 69.2%-38.3pp | 69.5%-38.6pp |
| Annual return | 127.04% | 19.96%+107.1pp | 35.62%+91.4pp | 28.90%+98.1pp |
| Employer contribution / active EE | $177 | $827-78.7% | $1,986-91.1% | $2,042-91.4% |
| Participant deferral / active EE | $1,218 | $2,147-43.3% | $2,958-58.8% | $3,169-61.6% |
| Admin fee / account holder | $19 | $489-96.1% | $5,134-99.6% | $479-96.0% |