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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $305 |
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.
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 | $5,741 | $26,549-78.4% | $61,452-90.7% | $66,938-91.4% |
| Participation rate | 11.3% | 38.1%-26.8pp | 52.6%-41.2pp | 69.8%-58.5pp |
| Annual return | -45.83% | -16.21%-29.6pp | 338.96%-384.8pp | 1.58%-47.4pp |
| Employer contribution / active EE | $168 | $651-74.2% | $1,160-85.5% | $2,545-93.4% |
| Participant deferral / active EE | $444 | $1,338-66.8% | $2,125-79.1% | $4,238-89.5% |
| Admin fee / account holder | $20 | $409-95.0% | $2,131-99.0% | $594-96.6% |