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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAMBRIDGE INVESTMENT GROUP Service code 15 · EIN 39-1897480 | Recordkeeping | $5,510 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,389 |
ADP BROKER-DEALER1 year Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
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 | $29,918 | $79,223-62.2% | $102,460-70.8% | $74,478-59.8% |
| Participation rate | 94.5% | 74.8%+19.7pp | 76.5%+18.0pp | 67.2%+27.2pp |
| Annual return | 36.93% | 54.98%-18.0pp | 29.47%+7.5pp | 1370.56%-1333.6pp |
| Employer contribution / active EE | $2,084 | $2,363-11.8% | $3,025-31.1% | $2,626-20.6% |
| Participant deferral / active EE | $6,496 | $4,417+47.1% | $5,056+28.5% | $4,350+49.3% |
| Admin fee / account holder | $39 | $2,003-98.1% | $9,460-99.6% | $1,946-98.0% |