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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $802 |
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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $55,467 | $63,314-12.4% | $91,004-39.1% | $62,293-11.0% |
| Participation rate | 38.2% | 73.3%-35.2pp | 75.6%-37.4pp | 69.5%-31.3pp |
| Annual return | 15.23% | 21.00%-5.8pp | 4.60%+10.6pp | 28.90%-13.7pp |
| Employer contribution / active EE | $786 | $1,807-56.5% | $2,456-68.0% | $2,042-61.5% |
| Participant deferral / active EE | $1,340 | $2,944-54.5% | $3,548-62.2% | $3,169-57.7% |
| Admin fee / account holder | $14 | $468-97.0% | $5,417-99.7% | $479-97.1% |