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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $930 |
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
SILVER OAK SECURITIES. INC3+ years Service code 49 205 POWELL PLACE SUITE 357 · BRENTWOOD, TN 37027 | 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 | $13,523 | $64,909-79.2% | $82,312-83.6% | $62,293-78.3% |
| Participation rate | 53.2% | 74.9%-21.6pp | 76.9%-23.7pp | 69.5%-16.3pp |
| Annual return | 22.22% | 21.18%+1.0pp | 25.88%-3.7pp | 28.90%-6.7pp |
| Employer contribution / active EE | $0 | $1,676-100.0% | $2,428-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,629 | $3,103-47.5% | $3,706-56.0% | $3,169-48.6% |
| Admin fee / account holder | $10 | $440-97.6% | $5,608-99.8% | $479-97.8% |