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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 | $45,109-71.8% | $85,240-85.1% | $77,762-83.7% |
| Participation rate | 9.4% | 48.7%-39.3pp | 67.5%-58.2pp | 70.6%-61.2pp |
| Annual return | 13.03% | 79.55%-66.5pp | 66.75%-53.7pp | 31.27%-18.2pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,735-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $867 | $2,814-69.2% | $4,527-80.8% | $4,651-81.4% |
| Admin fee / account holder | $70 | $915-92.3% | $6,165-98.9% | $433-83.7% |