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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $12,375 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $10,081 | $59,006-82.9% | $97,260-89.6% | $74,459-86.5% |
| Participation rate | 37.2% | 63.7%-26.6pp | 72.7%-35.5pp | 67.2%-30.1pp |
| Annual return | 17.93% | 16.04%+1.9pp | 75.54%-57.6pp | 1369.70%-1351.8pp |
| Employer contribution / active EE | $356 | $1,894-81.2% | $2,721-86.9% | $2,626-86.4% |
| Participant deferral / active EE | $1,470 | $3,671-60.0% | $4,262-65.5% | $4,350-66.2% |
| Admin fee / account holder | $69 | $1,974-96.5% | $5,640-98.8% | $1,945-96.5% |