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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $18,279 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $12,111 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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).
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 | $7,075 | $55,657-87.3% | $63,412-88.8% | $55,191-87.2% |
| Participation rate | 49.6% | 63.4%-13.8pp | 67.1%-17.5pp | 69.2%-19.5pp |
| Annual return | -2.10% | -0.22%-1.9pp | 4.04%-6.1pp | 10.78%-12.9pp |
| Employer contribution / active EE | $403 | $1,026-60.7% | $1,814-77.8% | $1,899-78.8% |
| Participant deferral / active EE | $952 | $1,817-47.6% | $2,496-61.8% | $3,046-68.7% |
| Admin fee / account holder | $44 | $272-83.8% | $3,753-98.8% | $91-51.7% |