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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $3,850 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $25,352 | $36,916-31.3% | $156,551-83.8% | $57,658-56.0% |
| Participation rate | 19.1% | 63.4%-44.3pp | 84.0%-64.9pp | 70.2%-51.1pp |
| Annual return | 5.06% | 12.38%-7.3pp | 32.23%-27.2pp | 5.13%-0.1pp |
| Employer contribution / active EE | $210 | $1,571-86.6% | $5,501-96.2% | $1,974-89.3% |
| Participant deferral / active EE | $823 | $1,926-57.2% | $4,871-83.1% | $3,061-73.1% |
| Admin fee / account holder | $19 | $82-77.1% | $13,028-99.9% | $95-80.0% |