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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,250 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: RAYMOND JAMES ASSOCIATES Service code 49 2255 GLADES RD STE 120-A · BOCA RATON, FL 33431 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $19,862 | $51,244-61.2% | $80,977-75.5% | $55,167-64.0% |
| Participation rate | 63.1% | 71.7%-8.6pp | 75.8%-12.7pp | 69.0%-5.9pp |
| Annual return | 9.85% | 17.39%-7.5pp | 17.11%-7.3pp | 169.23%-159.4pp |
| Employer contribution / active EE | $489 | $1,770-72.4% | $3,715-86.8% | $1,963-75.1% |
| Participant deferral / active EE | $3,810 | $4,418-13.8% | $5,696-33.1% | $3,054+24.8% |
| Admin fee / account holder | $6 | $398-98.5% | $5,517-99.9% | $504-98.8% |