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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $23,921 |
Service code 15 · EIN 39-2018056 | Recordkeeping | $17,658 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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.
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 | $20,977 | $102,661-79.6% | $151,645-86.2% | $66,949-68.7% |
| Participation rate | 46.4% | 85.5%-39.2pp | 87.5%-41.1pp | 69.8%-23.4pp |
| Annual return | -18.45% | -10.81%-7.6pp | 3.34%-21.8pp | 1.57%-20.0pp |
| Employer contribution / active EE | $0 | $4,184-100.0% | $6,165-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,802 | $6,645-57.8% | $8,363-66.5% | $4,239-33.9% |
| Admin fee / account holder | $483 | $630-23.3% | $11,614-95.8% | $594-18.5% |