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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $5,712 |
ADP BROKER-DEALER2+ 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 | $23,554 | $46,072-48.9% | $69,779-66.2% | $55,167-57.3% |
| Participation rate | 47.6% | 67.5%-19.9pp | 71.8%-24.2pp | 69.0%-21.4pp |
| Annual return | 4.20% | 8.68%-4.5pp | 12.99%-8.8pp | 169.23%-165.0pp |
| Employer contribution / active EE | $436 | $1,500-71.0% | $2,338-81.4% | $1,963-77.8% |
| Participant deferral / active EE | $1,416 | $2,344-39.6% | $2,931-51.7% | $3,054-53.7% |
| Admin fee / account holder | $49 | $428-88.6% | $4,381-98.9% | $504-90.3% |