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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $3,920 |
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984 | Other Services | $0 |
Service code 49 5080 SPECTRUM DR · ADDISON, TX 75001 | Other Services | $0 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,352 | $54,121-88.3% | $134,162-95.3% | $73,412-91.3% |
| Participation rate | 58.5% | 64.4%-5.9pp | 72.2%-13.7pp | 72.2%-13.7pp |
| Annual return | 24.64% | -312.52%+337.2pp | 36.35%-11.7pp | 59.30%-34.7pp |
| Employer contribution / active EE | $140 | $1,402-90.0% | $3,705-96.2% | $2,234-93.8% |
| Participant deferral / active EE | $945 | $2,844-66.8% | $3,500-73.0% | $3,806-75.2% |
| Admin fee / account holder | $10 | $132-92.5% | $6,685-99.9% | $158-93.7% |