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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $33,618 |
Filed as: GALLAGHER BENEFIT SERVICES Service code 15 · EIN 36-4291971 | Recordkeeping | $7,269 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $11,007 | $29,507-62.7% | $56,025-80.4% | $77,762-85.8% |
| Participation rate | 15.2% | 32.7%-17.5pp | 52.5%-37.3pp | 70.6%-55.4pp |
| Annual return | 10.23% | 18.90%-8.7pp | 1712.69%-1702.5pp | 31.27%-21.0pp |
| Employer contribution / active EE | $0 | $570-100.0% | $1,042-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $620 | $1,062-41.6% | $1,955-68.3% | $4,651-86.7% |
| Admin fee / account holder | $158 | $1,041-84.8% | $2,828-94.4% | $433-63.4% |