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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $23,120 |
ADP BROKER-DEALER2 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: LINCOLN INVESTMENT PLANNING INC Service code 49 28411 NORTHWESTERN HIGHWAY · SOUTHFIELD, MI 48034 | 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.
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).
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 | $20,875 | $35,485-41.2% | $74,551-72.0% | $55,725-62.5% |
| Participation rate | 58.6% | 62.5%-4.0pp | 69.1%-10.6pp | 70.9%-12.3pp |
| Annual return | -5.01% | 0.72%-5.7pp | 32.53%-37.5pp | 244.93%-249.9pp |
| Employer contribution / active EE | $0 | $777-100.0% | $1,961-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $913 | $2,181-58.1% | $3,108-70.6% | $3,356-72.8% |
| Admin fee / account holder | $71 | $114-38.0% | $5,059-98.6% | $115-38.4% |