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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $10,080 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $12,702 | $45,022-71.8% | $85,126-85.1% | $77,714-83.7% |
| Participation rate | 9.4% | 48.7%-39.3pp | 67.5%-58.2pp | 70.6%-61.2pp |
| Annual return | 13.03% | 79.38%-66.3pp | 66.63%-53.6pp | 31.26%-18.2pp |
| Employer contribution / active EE | $0 | $1,610-100.0% | $2,731-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $867 | $2,811-69.1% | $4,523-80.8% | $4,649-81.3% |
| Admin fee / account holder | $70 | $913-92.3% | $6,160-98.9% | $433-83.7% |