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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,300 |
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984 | Other Services | $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).
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 | $11,306 | $42,772-73.6% | $87,502-87.1% | $55,167-79.5% |
| Participation rate | 57.3% | 66.5%-9.1pp | 73.8%-16.5pp | 69.0%-11.6pp |
| Annual return | 17.01% | 21.20%-4.2pp | 12.21%+4.8pp | 169.23%-152.2pp |
| Employer contribution / active EE | $1,025 | $1,277-19.7% | $2,550-59.8% | $1,963-47.8% |
| Participant deferral / active EE | $3,226 | $2,342+37.7% | $3,149+2.5% | $3,054+5.6% |
| Admin fee / account holder | $26 | $461-94.3% | $4,221-99.4% | $504-94.8% |