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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $6,004 |
ADP BROKER-DEALER3 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: AMERIPRISE FINANCIAL SERVICES, INC Service code 49 1430 BLUE OAKS BLVD · ROSEVILLE, CA 95747 | Other Services | $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.
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 | $4,065 | $45,109-91.0% | $85,240-95.2% | $77,762-94.8% |
| Participation rate | 63.5% | 48.7%+14.9pp | 67.5%-4.0pp | 70.6%-7.1pp |
| Annual return | 42.10% | 79.55%-37.4pp | 66.75%-24.7pp | 31.27%+10.8pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,735-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,679 | $2,814-40.3% | $4,527-62.9% | $4,651-63.9% |
| Admin fee / account holder | $25 | $915-97.3% | $6,165-99.6% | $433-94.2% |