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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $15,542 |
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.
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 | $5,826 | $104,336-94.4% | $159,474-96.3% | $86,821-93.3% |
| Participation rate | 65.2% | 77.7%-12.5pp | 82.8%-17.6pp | 72.3%-7.1pp |
| Annual return | 26.21% | 26.32%-0.1pp | 263.68%-237.5pp | 97.94%-71.7pp |
| Employer contribution / active EE | $0 | $3,451-100.0% | $4,831-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $1,237 | $6,837-81.9% | $7,353-83.2% | $4,132-70.1% |
| Admin fee / account holder | $37 | $172-78.3% | $10,802-99.7% | $170-77.9% |