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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER6+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: AMERIPRISE FINANCIAL Service code 49 1499 SE TECH CENTER PLACE · VANCOUVER, WA 98683 | Other Services | $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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,205 | $54,590-68.5% | $81,716-78.9% | $73,493-76.6% |
| Participation rate | 43.4% | 68.3%-24.9pp | 72.0%-28.6pp | 70.7%-27.2pp |
| Annual return | 14.18% | 17.74%-3.6pp | 29.49%-15.3pp | 28.51%-14.3pp |
| Employer contribution / active EE | $830 | $1,636-49.3% | $4,310-80.7% | $2,270-63.4% |
| Participant deferral / active EE | $1,220 | $2,759-55.8% | $7,108-82.8% | $3,740-67.4% |
| Admin fee / account holder | $12 | $592-97.9% | $5,159-99.8% | $513-97.6% |