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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $540 |
ADP BROKER-DEALER3 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: LOCKTON FINANCIAL ADVISORS, LLC Service code 49 4725 PIEDMONT ROW DRIVE · CHARLOTTE, NC 28210 | 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).
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 | $15,533 | $88,122-82.4% | $141,191-89.0% | $67,579-77.0% |
| Participation rate | 29.9% | 76.5%-46.6pp | 82.5%-52.6pp | 71.3%-41.4pp |
| Annual return | 42.97% | 75.40%-32.4pp | 71.41%-28.4pp | 378.56%-335.6pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,736-100.0% | $2,148-100.0% |
| Participant deferral / active EE | $1,236 | $5,958-79.2% | $6,710-81.6% | $3,539-65.1% |
| Admin fee / account holder | $4 | $131-96.9% | $10,264-100.0% | $142-97.2% |