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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,010 |
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.
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 | $26,662 | $79,523-66.5% | $140,019-81.0% | $56,287-52.6% |
| Participation rate | 45.4% | 85.7%-40.3pp | 87.5%-42.1pp | 69.9%-24.5pp |
| Annual return | -8.61% | 2.39%-11.0pp | 651.15%-659.8pp | -9.96%+1.4pp |
| Employer contribution / active EE | $1,608 | $3,350-52.0% | $5,605-71.3% | $2,111-23.8% |
| Participant deferral / active EE | $3,377 | $5,129-34.2% | $6,927-51.2% | $3,350+0.8% |
| Admin fee / account holder | $9 | $614-98.5% | $10,705-99.9% | $521-98.2% |