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| Provider | Service type | Compensation |
|---|---|---|
WATERMARK CPA GROUP, LLC2+ years Service code 15 · EIN 20-5881258 | Recordkeeping | $13,250 |
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $7,260 |
ADP BROKER-DEALER2+ 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.
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 | $11,058 | $25,723-57.0% | $69,182-84.0% | $55,167-80.0% |
| Participation rate | 36.5% | 39.4%-2.9pp | 55.1%-18.6pp | 69.0%-32.5pp |
| Annual return | 4.95% | 9.56%-4.6pp | -21.93%+26.9pp | 169.23%-164.3pp |
| Employer contribution / active EE | $298 | $480-37.9% | $1,206-75.3% | $1,963-84.8% |
| Participant deferral / active EE | $671 | $963-30.4% | $1,897-64.6% | $3,054-78.0% |
| Admin fee / account holder | $263 | $365-27.9% | $2,697-90.2% | $504-47.8% |