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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,350 |
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: RAYMOND JAMES ASSOCIATES Service code 49 2255 GLADES RD STE 120A · 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 | $24,754 | $59,535-58.4% | $90,161-72.5% | $62,293-60.3% |
| Participation rate | 67.3% | 73.0%-5.7pp | 76.9%-9.5pp | 69.5%-2.2pp |
| Annual return | 25.54% | 23.53%+2.0pp | 34.89%-9.3pp | 28.90%-3.4pp |
| Employer contribution / active EE | $916 | $1,826-49.8% | $3,318-72.4% | $2,042-55.2% |
| Participant deferral / active EE | $3,945 | $4,639-15.0% | $5,287-25.4% | $3,169+24.5% |
| Admin fee / account holder | $7 | $337-98.0% | $5,943-99.9% | $479-98.6% |