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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ROYAL ALLIANCE ASSOCIATES, INC. Service code 15 · EIN 93-0987232 | Recordkeeping | $30,720 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,540 |
ADP BROKER-DEALER2 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,194 | $44,764-68.3% | $68,808-79.4% | $64,819-78.1% |
| Participation rate | 43.7% | 64.8%-21.1pp | 69.0%-25.3pp | 71.5%-27.8pp |
| Annual return | -8.65% | -10.91%+2.3pp | -6.37%-2.3pp | 32.84%-41.5pp |
| Employer contribution / active EE | $504 | $1,775-71.6% | $2,656-81.0% | $2,507-79.9% |
| Participant deferral / active EE | $1,858 | $3,238-42.6% | $3,942-52.9% | $4,311-56.9% |
| Admin fee / account holder | $108 | $151-28.5% | $4,936-97.8% | $188-42.4% |