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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $18,558 |
Filed as: SILVERSTONE ASSET MANAGEMENT, INC. Service code 15 · EIN 20-1113894 | Recordkeeping | $17,297 |
ADP BROKER-DEALER7+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $49,810 | $61,166-18.6% | $185,849-73.2% | $79,391-37.3% |
| Participation rate | 48.9% | 66.6%-17.7pp | 81.7%-32.8pp | 70.7%-21.8pp |
| Annual return | 14.72% | 19.45%-4.7pp | 122.10%-107.4pp | 116.88%-102.2pp |
| Employer contribution / active EE | $419 | $2,321-81.9% | $5,169-91.9% | $2,428-82.7% |
| Participant deferral / active EE | $1,505 | $2,789-46.0% | $5,569-73.0% | $4,046-62.8% |
| Admin fee / account holder | $332 | $710-53.2% | $16,244-98.0% | $627-47.0% |