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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $30,637 |
ADP BROKER-DEALER8 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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,431 | $54,213-77.1% | $93,696-86.7% | $77,736-84.0% |
| Participation rate | 17.3% | 64.0%-46.6pp | 68.7%-51.4pp | 70.6%-53.2pp |
| Annual return | 12.24% | 30.55%-18.3pp | 133.74%-121.5pp | 31.26%-19.0pp |
| Employer contribution / active EE | $0 | $1,168-100.0% | $2,422-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $552 | $3,145-82.5% | $4,417-87.5% | $4,651-88.1% |
| Admin fee / account holder | $172 | $575-70.1% | $8,287-97.9% | $433-60.3% |