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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,536 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
LPL FINANCIAL1 year Service code 49 1445 RESEARCH BLVD SUITE 340 · ROCKVILLE, MD 20850 | 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $28,076 | $46,732-39.9% | $156,551-82.1% | $55,167-49.1% |
| Participation rate | 55.2% | 65.8%-10.6pp | 84.0%-28.8pp | 69.0%-13.8pp |
| Annual return | 8.16% | 17.72%-9.6pp | 32.23%-24.1pp | 169.23%-161.1pp |
| Employer contribution / active EE | $258 | $2,105-87.7% | $5,501-95.3% | $1,963-86.8% |
| Participant deferral / active EE | $1,650 | $2,204-25.2% | $4,871-66.1% | $3,054-46.0% |
| Admin fee / account holder | $21 | $418-95.1% | $13,028-99.8% | $504-95.9% |