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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,508 | $42,546-35.3% | $71,796-61.7% | $55,167-50.1% |
| Participation rate | 21.1% | 59.1%-38.0pp | 69.1%-48.0pp | 69.0%-47.8pp |
| Annual return | 9.71% | 12.36%-2.7pp | 78.04%-68.3pp | 169.23%-159.5pp |
| Employer contribution / active EE | $0 | $803-100.0% | $1,924-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $376 | $2,064-81.8% | $2,794-86.5% | $3,054-87.7% |
| Admin fee / account holder | $0 | $650-100.0% | $4,815-100.0% | $504-100.0% |