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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $33,903 |
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.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,477 | $45,126+9.6% | $85,187-41.9% | $74,459-33.6% |
| Participation rate | 56.5% | 49.4%+7.1pp | 67.5%-11.1pp | 67.2%-10.8pp |
| Annual return | 16.19% | 26.30%-10.1pp | 66.67%-50.5pp | 1369.70%-1353.5pp |
| Employer contribution / active EE | $4,304 | $1,460+194.8% | $2,732+57.5% | $2,626+63.9% |
| Participant deferral / active EE | $6,733 | $2,738+145.9% | $4,525+48.8% | $4,350+54.8% |
| Admin fee / account holder | $303 | $2,212-86.3% | $6,162-95.1% | $1,945-84.4% |