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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES3+ years Service code 15 · EIN 43-0345811 | Recordkeeping | $10,909 |
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,545 |
ADP BROKER-DEALER3+ 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.
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 | $45,763 | $80,753-43.3% | $136,298-66.4% | $62,293-26.5% |
| Participation rate | 26.9% | 73.5%-46.6pp | 81.9%-55.0pp | 69.5%-42.6pp |
| Annual return | 14.72% | 35.83%-21.1pp | 5156.27%-5141.6pp | 28.90%-14.2pp |
| Employer contribution / active EE | $0 | $2,884-100.0% | $4,696-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $4,398 | $5,164-14.8% | $6,247-29.6% | $3,169+38.8% |
| Admin fee / account holder | $122 | $525-76.8% | $9,244-98.7% | $479-74.5% |