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| Provider | Service type | Compensation |
|---|---|---|
BKD, LLP1 year Service code 15 · EIN 44-0160260 | Recordkeeping | $5,421 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,977 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $11,281 | $29,507-61.8% | $56,025-79.9% | $77,762-85.5% |
| Participation rate | 15.3% | 32.7%-17.4pp | 52.5%-37.2pp | 70.6%-55.2pp |
| Annual return | 10.95% | 18.90%-7.9pp | 1712.69%-1701.7pp | 31.27%-20.3pp |
| Employer contribution / active EE | $0 | $570-100.0% | $1,042-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $489 | $1,062-53.9% | $1,955-75.0% | $4,651-89.5% |
| Admin fee / account holder | $65 | $1,041-93.7% | $2,828-97.7% | $433-84.9% |