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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $17,218 |
Filed as: SILVERSTONE ASSET MANAGEMENT, INC. Service code 15 · EIN 20-1113894 | Recordkeeping | $15,654 |
ADP BROKER-DEALER9+ 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,947 | $61,391-28.4% | $149,723-70.6% | $71,529-38.6% |
| Participation rate | 53.5% | 62.5%-9.0pp | 78.8%-25.3pp | 67.9%-14.4pp |
| Annual return | 15.06% | 35.88%-20.8pp | 134.50%-119.4pp | 28.97%-13.9pp |
| Employer contribution / active EE | $1,024 | $2,384-57.0% | $4,821-78.8% | $2,590-60.5% |
| Participant deferral / active EE | $1,968 | $2,921-32.6% | $5,682-65.4% | $4,291-54.1% |
| Admin fee / account holder | $313 | $1,264-75.2% | $13,215-97.6% | $1,588-80.3% |