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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $25,907 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,996 | $65,582-83.2% | $64,097-82.8% | $71,529-84.6% |
| Participation rate | 87.1% | 73.2%+13.9pp | 72.3%+14.8pp | 67.9%+19.2pp |
| Annual return | 14.00% | 18.96%-5.0pp | 33.75%-19.7pp | 28.97%-15.0pp |
| Employer contribution / active EE | $226 | $2,671-91.5% | $2,750-91.8% | $2,590-91.3% |
| Participant deferral / active EE | $2,122 | $3,628-41.5% | $3,881-45.3% | $4,291-50.6% |
| Admin fee / account holder | $107 | $616-82.6% | $3,070-96.5% | $1,588-93.3% |