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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,080 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: CETERA INVESTMENT SERVICES Service code 49 3543 N CROSSING CIR · VALDOSTA, GA 31602 | 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).
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 | $14,902 | $48,064-69.0% | $78,778-81.1% | $69,631-78.6% |
| Participation rate | 14.9% | 61.6%-46.7pp | 69.2%-54.3pp | 70.7%-55.8pp |
| Annual return | 16.37% | 21.81%-5.4pp | 35.62%-19.3pp | 27571.02%-27554.7pp |
| Employer contribution / active EE | $0 | $744-100.0% | $1,986-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $393 | $2,079-81.1% | $2,958-86.7% | $3,224-87.8% |
| Admin fee / account holder | $14 | $152-91.1% | $5,134-99.7% | $110-87.8% |