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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,830 |
ADP BROKER-DEALER3 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
LPL FINANCIAL3 years Service code 49 100 GRANDVIEW STE 303 · BRAINTREE, MA 02184 | Other Services | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $21,925 | $73,102-70.0% | $123,552-82.3% | $56,287-61.0% |
| Participation rate | 71.7% | 74.3%-2.6pp | 82.3%-10.6pp | 69.9%+1.9pp |
| Annual return | -9.41% | 3.01%-12.4pp | 119.20%-128.6pp | -9.96%+0.6pp |
| Employer contribution / active EE | $1,252 | $2,977-57.9% | $4,628-72.9% | $2,111-40.7% |
| Participant deferral / active EE | $4,693 | $5,423-13.5% | $6,426-27.0% | $3,350+40.1% |
| Admin fee / account holder | $17 | $554-96.9% | $9,285-99.8% | $521-96.7% |