Filed December 12, 2024 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,200 |
ADP BROKER-DEALER3 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: GREGORY J. SCHWARTZ & CO Service code 49 3707 W MAPLE ROAD · BLOOMFIELD HILLS, MI 48301 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $37,718 | $54,573-30.9% | $90,970-58.5% | $73,493-48.7% |
| Participation rate | 42.7% | 61.2%-18.4pp | 69.0%-26.3pp | 70.7%-27.9pp |
| Annual return | 16.67% | 16.69%0pp | 134.58%-117.9pp | 28.51%-11.8pp |
| Employer contribution / active EE | $793 | $991-20.0% | $2,122-62.6% | $2,270-65.1% |
| Participant deferral / active EE | $2,510 | $2,517-0.3% | $3,373-25.6% | $3,740-32.9% |
| Admin fee / account holder | $66 | $521-87.4% | $5,960-98.9% | $513-87.2% |