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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $22,539 |
PIERCE FIRM, PLLC1 year Service code 15 · EIN 47-4595624 | Recordkeeping | $15,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $44,533 | $56,438-21.1% | $76,902-42.1% | $71,529-37.7% |
| Participation rate | 57.6% | 64.3%-6.7pp | 69.6%-12.0pp | 67.9%-10.3pp |
| Annual return | 17.90% | 19.05%-1.1pp | 37.91%-20.0pp | 28.97%-11.1pp |
| Employer contribution / active EE | $2,990 | $1,864+60.5% | $2,534+18.0% | $2,590+15.5% |
| Participant deferral / active EE | $2,486 | $3,136-20.8% | $3,833-35.2% | $4,291-42.1% |
| Admin fee / account holder | $310 | $1,430-78.3% | $5,479-94.3% | $1,588-80.5% |