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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER6+ 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.
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 | $54,963 | $54,573+0.7% | $90,970-39.6% | $73,497-25.2% |
| Participation rate | 29.1% | 61.2%-32.0pp | 69.0%-39.9pp | 70.7%-41.5pp |
| Annual return | 8.49% | 16.69%-8.2pp | 134.60%-126.1pp | 28.51%-20.0pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,428 | $2,517-43.3% | $3,373-57.7% | $3,740-61.8% |
| Admin fee / account holder | $0 | $521-100.0% | $5,961-100.0% | $513-100.0% |