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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $6,416 |
TD AMERITRADE, INC.1+ years Service code 33 · EIN 82-0543156 | Distribution (12b-1) fees; Securities... | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $22,698 | $82,163-72.4% | $125,381-81.9% | $64,819-65.0% |
| Participation rate | 56.0% | 77.9%-21.9pp | 82.4%-26.4pp | 71.5%-15.5pp |
| Annual return | -13.50% | 3.49%-17.0pp | 572.31%-585.8pp | 32.84%-46.3pp |
| Employer contribution / active EE | $0 | $3,616-100.0% | $4,815-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $4,447 | $7,175-38.0% | $7,448-40.3% | $4,311+3.2% |
| Admin fee / account holder | $9 | $163-94.6% | $10,007-99.9% | $188-95.3% |