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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $6,993 |
ADP BROKER-DEALER10+ years Service code 49 · EIN 22-3319984 | Other Services | $1,503 |
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 | $27,485 | $91,680-70.0% | $67,524-59.3% | $77,692-64.6% |
| Participation rate | 19.5% | 76.0%-56.4pp | 72.9%-53.4pp | 70.6%-51.0pp |
| Annual return | 18.10% | 14.87%+3.2pp | 3519.41%-3501.3pp | 31.25%-13.2pp |
| Employer contribution / active EE | $0 | $3,186-100.0% | $2,734-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $1,057 | $3,909-73.0% | $4,001-73.6% | $4,648-77.3% |
| Admin fee / account holder | $64 | $176-63.9% | $4,001-98.4% | $431-85.2% |