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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,887 |
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,021 | $43,717-81.7% | $81,473-90.2% | $77,958-89.7% |
| Participation rate | 23.0% | 42.5%-19.6pp | 68.0%-45.0pp | 71.6%-48.7pp |
| Annual return | 17.04% | 23.83%-6.8pp | 38.78%-21.7pp | 20.87%-3.8pp |
| Employer contribution / active EE | $115 | $919-87.5% | $2,568-95.5% | $2,310-95.0% |
| Participant deferral / active EE | $948 | $1,783-46.8% | $3,537-73.2% | $3,537-73.2% |
| Admin fee / account holder | $7 | $108-93.3% | $4,561-99.8% | $97-92.6% |