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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 82-4000669 | Recordkeeping | $25,581 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $13,378 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,546 | $84,940-51.1% | $111,306-62.7% | $79,389-47.7% |
| Participation rate | 28.4% | 75.9%-47.4pp | 77.3%-48.9pp | 70.7%-42.3pp |
| Annual return | 14.34% | 17.45%-3.1pp | 54.67%-40.3pp | 116.89%-102.5pp |
| Employer contribution / active EE | $758 | $1,979-61.7% | $2,732-72.3% | $2,428-68.8% |
| Participant deferral / active EE | $1,140 | $3,889-70.7% | $4,488-74.6% | $4,046-71.8% |
| Admin fee / account holder | $565 | $537+5.1% | $7,966-92.9% | $626-9.9% |