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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $5,742 |
ADP BROKER-DEALER6 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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 | $12,265 | $80,985-84.9% | $96,576-87.3% | $75,181-83.7% |
| Participation rate | 92.5% | 71.8%+20.7pp | 76.0%+16.5pp | 67.2%+25.3pp |
| Annual return | 13.44% | 27.05%-13.6pp | 25.87%-12.4pp | 160.69%-147.2pp |
| Employer contribution / active EE | $1,484 | $2,282-35.0% | $2,965-50.0% | $2,671-44.4% |
| Participant deferral / active EE | $2,184 | $3,929-44.4% | $4,851-55.0% | $4,126-47.1% |
| Admin fee / account holder | $34 | $6,719-99.5% | $8,253-99.6% | $5,650-99.4% |