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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RESOURCES INVESTMENT ADVISORS, INC. Service code 15 · EIN 43-1451524 | Recordkeeping | $10,853 |
ADP BROKER-DEALER4+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,192 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $16,713 | $80,731-79.3% | $103,378-83.8% | $74,400-77.5% |
| Participation rate | 88.6% | 65.7%+22.9pp | 74.5%+14.1pp | 67.2%+21.4pp |
| Annual return | 19.14% | 27.56%-8.4pp | 24.91%-5.8pp | 1367.51%-1348.4pp |
| Employer contribution / active EE | $1,908 | $3,159-39.6% | $3,870-50.7% | $2,624-27.3% |
| Participant deferral / active EE | $4,635 | $3,862+20.0% | $5,058-8.4% | $4,348+6.6% |
| Admin fee / account holder | $94 | $2,369-96.0% | $8,401-98.9% | $1,944-95.2% |