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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,072 |
Employer 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).
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 | $48,930 | $138,386-64.6% | $184,260-73.4% | $80,935-39.5% |
| Participation rate | 93.5% | 83.9%+9.6pp | 86.8%+6.7pp | 67.7%+25.8pp |
| Annual return | 17.49% | 20.02%-2.5pp | 28.84%-11.3pp | 35.66%-18.2pp |
| Employer contribution / active EE | $1,386 | $4,851-71.4% | $6,427-78.4% | $2,757-49.7% |
| Participant deferral / active EE | $9,100 | $7,076+28.6% | $9,133-0.4% | $4,299+111.7% |
| Admin fee / account holder | $32 | $10,489-99.7% | $13,898-99.8% | $6,924-99.5% |