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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,200 |
ADP BROKER-DEALER1 year Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,918 | $58,655-31.9% | $91,994-56.6% | $65,185-38.8% |
| Participation rate | 58.9% | 75.3%-16.4pp | 78.6%-19.7pp | 70.2%-11.3pp |
| Annual return | 38.72% | 33.92%+4.8pp | 69.04%-30.3pp | 29.38%+9.3pp |
| Employer contribution / active EE | $0 | $2,080-100.0% | $3,453-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $7,249 | $5,474+32.4% | $5,924+22.4% | $3,514+106.3% |
| Admin fee / account holder | $11 | $434-97.5% | $7,744-99.9% | $847-98.7% |