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| Provider | Service type | Compensation |
|---|---|---|
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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $42,648 | $51,466-17.1% | $78,778-45.9% | $62,293-31.5% |
| Participation rate | 22.1% | 59.8%-37.6pp | 69.2%-47.0pp | 69.5%-47.4pp |
| Annual return | 12.22% | 19.96%-7.7pp | 35.62%-23.4pp | 28.90%-16.7pp |
| Employer contribution / active EE | $0 | $827-100.0% | $1,986-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,018 | $2,147-52.6% | $2,958-65.6% | $3,169-67.9% |
| Admin fee / account holder | $0 | $489-100.0% | $5,134-100.0% | $479-100.0% |