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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $7,299 |
ADP BROKER-DEALER10+ 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.
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 | $13,445 | $30,423-55.8% | $56,025-76.0% | $74,478-81.9% |
| Participation rate | 46.7% | 32.9%+13.8pp | 52.5%-5.8pp | 67.2%-20.5pp |
| Annual return | 10.16% | 24.97%-14.8pp | 1712.69%-1702.5pp | 1370.56%-1360.4pp |
| Employer contribution / active EE | $792 | $610+29.9% | $1,042-23.9% | $2,626-69.8% |
| Participant deferral / active EE | $1,325 | $1,176+12.6% | $1,955-32.2% | $4,350-69.5% |
| Admin fee / account holder | $61 | $2,363-97.4% | $2,828-97.8% | $1,946-96.9% |