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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $7,604 |
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 | $19,518 | $76,696-74.6% | $96,515-79.8% | $71,511-72.7% |
| Participation rate | 44.2% | 66.6%-22.4pp | 74.3%-30.1pp | 67.9%-23.7pp |
| Annual return | 24.16% | 48.32%-24.2pp | 35.73%-11.6pp | 28.86%-4.7pp |
| Employer contribution / active EE | $863 | $3,032-71.5% | $3,740-76.9% | $2,589-66.7% |
| Participant deferral / active EE | $2,668 | $3,770-29.2% | $4,880-45.3% | $4,291-37.8% |
| Admin fee / account holder | $65 | $2,030-96.8% | $6,735-99.0% | $1,588-95.9% |