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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,150 |
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO ADVISORS WACHOVIA SECUR Service code 49 28100 US HIGHWAY 19 NORTH · CLEARWATER, FL 33761 | Other Services | $0 |
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.
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).
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 | $8,992 | $51,466-82.5% | $78,778-88.6% | $62,293-85.6% |
| Participation rate | 98.1% | 59.8%+38.3pp | 69.2%+28.9pp | 69.5%+28.6pp |
| Annual return | 9.66% | 19.96%-10.3pp | 35.62%-26.0pp | 28.90%-19.2pp |
| Employer contribution / active EE | $0 | $827-100.0% | $1,986-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,494 | $2,147+16.1% | $2,958-15.7% | $3,169-21.3% |
| Admin fee / account holder | $6 | $489-98.8% | $5,134-99.9% | $479-98.8% |