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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $12,660 |
Filed as: UBS FINANCIAL SERVICES, INC. Service code 15 · EIN 13-2638166 | Recordkeeping | $10,205 |
ADP BROKER-DEALER4 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,797 | $65,582-77.4% | $64,097-76.9% | $71,529-79.3% |
| Participation rate | 40.1% | 73.2%-33.1pp | 72.3%-32.2pp | 67.9%-27.8pp |
| Annual return | 18.14% | 18.96%-0.8pp | 33.75%-15.6pp | 28.97%-10.8pp |
| Employer contribution / active EE | $727 | $2,671-72.8% | $2,750-73.6% | $2,590-71.9% |
| Participant deferral / active EE | $1,485 | $3,628-59.1% | $3,881-61.7% | $4,291-65.4% |
| Admin fee / account holder | $215 | $616-65.2% | $3,070-93.0% | $1,588-86.5% |