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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $800 |
ADP BROKER-DEALER2 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.
Participant contribution per participant 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).
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 | $16,835 | $104,482-83.9% | $159,455-89.4% | $79,393-78.8% |
| Participation rate | 23.1% | 76.6%-53.5pp | 82.8%-59.7pp | 70.7%-47.6pp |
| Annual return | 90.86% | 67.96%+22.9pp | 263.63%-172.8pp | 116.87%-26.0pp |
| Employer contribution / active EE | $0 | $3,416-100.0% | $4,830-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,205 | $6,467-81.4% | $7,353-83.6% | $4,046-70.2% |
| Admin fee / account holder | $11 | $711-98.5% | $10,800-99.9% | $627-98.3% |