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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $3,416 |
ADP BROKER-DEALER2 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
CALTON & ASSOCIATES, INC.2 years Filed as: CALTON AND ASSOCIATES, INC Service code 49 2701 N ROCKY POINT DR · BATON ROUGE, LA 70806 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,636 | $84,493-82.7% | $125,381-88.3% | $66,938-78.1% |
| Participation rate | 31.8% | 76.4%-44.6pp | 82.4%-50.6pp | 69.8%-38.0pp |
| Annual return | -15.54% | -8.49%-7.1pp | 572.31%-587.9pp | 1.58%-17.1pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $3,255 | $6,783-52.0% | $7,448-56.3% | $4,238-23.2% |
| Admin fee / account holder | $61 | $685-91.1% | $10,007-99.4% | $594-89.7% |