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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $32,620 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
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 | $20,657 | $63,114-67.3% | $92,915-77.8% | $65,186-68.3% |
| Participation rate | 44.1% | 68.8%-24.7pp | 76.0%-31.9pp | 70.2%-26.1pp |
| Annual return | 22.73% | 28.75%-6.0pp | 109.45%-86.7pp | 29.39%-6.7pp |
| Employer contribution / active EE | $0 | $2,571-100.0% | $3,653-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $3,610 | $3,108+16.2% | $4,238-14.8% | $3,514+2.7% |
| Admin fee / account holder | $365 | $624-41.5% | $5,796-93.7% | $847-57.0% |