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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 27-0585256 | Recordkeeping | $19,673 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $6,253 |
ADP BROKER-DEALER5+ 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
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 | $74,905 | $48,053+55.9% | $84,637-11.5% | $72,976+2.6% |
| Participation rate | 65.2% | 57.6%+7.6pp | 68.2%-3.0pp | 69.5%-4.3pp |
| Annual return | 19.90% | 37.39%-17.5pp | 258.82%-238.9pp | 81.02%-61.1pp |
| Employer contribution / active EE | $2,708 | $1,602+69.1% | $2,653+2.1% | $2,440+11.0% |
| Participant deferral / active EE | $5,221 | $2,681+94.8% | $3,900+33.9% | $3,608+44.7% |
| Admin fee / account holder | $370 | $3,395-89.1% | $4,914-92.5% | $5,124-92.8% |