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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $6,166 |
ADP BROKER-DEALER7+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
UBS FINANCIAL SERVICES INC7+ years Filed as: UBS Service code 49 1 N WACKER DRIVE 26TH FLOOR · CHICAGO, IL 60606 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,667 | $61,166-62.9% | $185,849-87.8% | $79,391-71.4% |
| Participation rate | 47.4% | 66.6%-19.2pp | 81.7%-34.3pp | 70.7%-23.3pp |
| Annual return | 13.83% | 19.45%-5.6pp | 122.10%-108.3pp | 116.88%-103.1pp |
| Employer contribution / active EE | $607 | $2,321-73.9% | $5,169-88.3% | $2,428-75.0% |
| Participant deferral / active EE | $2,478 | $2,789-11.1% | $5,569-55.5% | $4,046-38.7% |
| Admin fee / account holder | $48 | $710-93.3% | $16,244-99.7% | $627-92.4% |