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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,726 |
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: LINCOLN FINANCIAL ADVISORS Service code 49 1300 YORK RD · LUTHERVILLE, MD 21093 | 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $18,302 | $64,909-71.8% | $82,312-77.8% | $62,293-70.6% |
| Participation rate | 66.7% | 74.9%-8.2pp | 76.9%-10.2pp | 69.5%-2.8pp |
| Annual return | 14.22% | 21.18%-7.0pp | 25.88%-11.7pp | 28.90%-14.7pp |
| Employer contribution / active EE | $749 | $1,676-55.3% | $2,428-69.2% | $2,042-63.3% |
| Participant deferral / active EE | $1,643 | $3,103-47.1% | $3,706-55.7% | $3,169-48.2% |
| Admin fee / account holder | $22 | $440-94.9% | $5,608-99.6% | $479-95.3% |