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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $110 |
ADP BROKER-DEALER6 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $5,087 | $82,163-93.8% | $125,381-95.9% | $64,819-92.2% |
| Participation rate | 2.0% | 77.9%-75.8pp | 82.4%-80.3pp | 71.5%-69.4pp |
| Annual return | -15.93% | 3.49%-19.4pp | 572.31%-588.2pp | 32.84%-48.8pp |
| Employer contribution / active EE | $0 | $3,616-100.0% | $4,815-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $122 | $7,175-98.3% | $7,448-98.4% | $4,311-97.2% |
| Admin fee / account holder | $1 | $163-99.3% | $10,007-100.0% | $188-99.4% |