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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,325 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $17,662 | $31,388-43.7% | $73,550-76.0% | $62,293-71.6% |
| Participation rate | 28.4% | 39.9%-11.5pp | 54.9%-26.5pp | 69.5%-41.1pp |
| Annual return | 11.87% | 25.34%-13.5pp | -15.16%+27.0pp | 28.90%-17.0pp |
| Employer contribution / active EE | $0 | $498-100.0% | $1,219-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $768 | $1,028-25.3% | $1,804-57.4% | $3,169-75.8% |
| Admin fee / account holder | $10 | $299-96.5% | $2,320-99.6% | $479-97.8% |