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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $33,885 |
ADP BROKER-DEALER5 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $31,954 | $30,421+5.0% | $56,077-43.0% | $74,429-57.1% |
| Participation rate | 28.1% | 32.9%-4.8pp | 52.5%-24.4pp | 67.2%-39.1pp |
| Annual return | 11.26% | 24.94%-13.7pp | 1709.28%-1698.0pp | 1368.38%-1357.1pp |
| Employer contribution / active EE | $480 | $610-21.2% | $1,040-53.8% | $2,625-81.7% |
| Participant deferral / active EE | $1,126 | $1,175-4.2% | $1,954-42.4% | $4,348-74.1% |
| Admin fee / account holder | $452 | $2,363-80.9% | $2,825-84.0% | $1,944-76.8% |