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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $16,261 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,959 |
ADP BROKER-DEALER1+ 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.
Annual investment return 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,153 | $57,108-73.5% | $94,229-83.9% | $52,331-71.0% |
| Participation rate | 51.0% | 72.9%-22.0pp | 78.8%-27.8pp | 68.1%-17.1pp |
| Annual return | -2.96% | 1.47%-4.4pp | 10.68%-13.6pp | 4.54%-7.5pp |
| Employer contribution / active EE | $562 | $1,735-67.6% | $3,587-84.3% | $1,882-70.1% |
| Participant deferral / active EE | $1,812 | $3,040-40.4% | $4,320-58.1% | $3,022-40.0% |
| Admin fee / account holder | $33 | $546-93.9% | $6,269-99.5% | $592-94.4% |