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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $565 |
ADP BROKER-DEALER3 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: KESTRA INVESTMENT SERVICES Service code 49 30150 TELEGRAPH RD · BINGHAM FARMS, MI 48025 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $60,297 | $78,423-23.1% | $95,964-37.2% | $79,856-24.5% |
| Participation rate | 40.3% | 73.5%-33.2pp | 77.1%-36.8pp | 69.6%-29.4pp |
| Annual return | 11.19% | 19.37%-8.2pp | 91.64%-80.5pp | 31.71%-20.5pp |
| Employer contribution / active EE | $213 | $1,945-89.0% | $2,541-91.6% | $2,471-91.4% |
| Participant deferral / active EE | $1,635 | $3,440-52.5% | $4,167-60.7% | $3,741-56.3% |
| Admin fee / account holder | $12 | $5,622-99.8% | $6,797-99.8% | $5,306-99.8% |