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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $17,914 |
Service code 15 · EIN 61-1816241 | Recordkeeping | $11,196 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,479 | $78,419-66.2% | $133,971-80.2% | $73,412-63.9% |
| Participation rate | 51.0% | 78.6%-27.6pp | 79.8%-28.9pp | 72.2%-21.2pp |
| Annual return | 12.64% | 33.35%-20.7pp | 45.09%-32.5pp | 59.30%-46.7pp |
| Employer contribution / active EE | $263 | $2,044-87.1% | $3,919-93.3% | $2,234-88.2% |
| Participant deferral / active EE | $2,163 | $3,925-44.9% | $5,047-57.1% | $3,806-43.2% |
| Admin fee / account holder | $150 | $161-7.0% | $8,929-98.3% | $158-5.0% |