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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $8,908 |
ADP BROKER-DEALER10+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: HERITAGE FINANCIAL CONSULTANTS Service code 49 307 INTERNATIONAL CIRCLE STE 390 · HUNT VALLEY, MD 21030 | 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.
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 | $33,688 | $89,067-62.2% | $102,423-67.1% | $77,714-56.7% |
| Participation rate | 50.3% | 80.9%-30.6pp | 76.5%-26.2pp | 70.6%-20.3pp |
| Annual return | 17.63% | 25.01%-7.4pp | 29.42%-11.8pp | 31.26%-13.6pp |
| Employer contribution / active EE | $1,048 | $2,699-61.2% | $3,023-65.3% | $2,727-61.6% |
| Participant deferral / active EE | $2,824 | $5,147-45.1% | $5,054-44.1% | $4,649-39.3% |
| Admin fee / account holder | $42 | $236-82.0% | $9,455-99.6% | $433-90.2% |