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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $13,834 |
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,613 |
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.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $14,386 | $63,924-77.5% | $108,582-86.8% | $55,167-73.9% |
| Participation rate | 62.0% | 74.3%-12.3pp | 79.6%-17.6pp | 69.0%-7.0pp |
| Annual return | 16.53% | 15.31%+1.2pp | -51.70%+68.2pp | 169.23%-152.7pp |
| Employer contribution / active EE | $674 | $1,879-64.1% | $3,758-82.1% | $1,963-65.7% |
| Participant deferral / active EE | $2,269 | $3,067-26.0% | $4,311-47.4% | $3,054-25.7% |
| Admin fee / account holder | $14 | $618-97.8% | $7,645-99.8% | $504-97.3% |