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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,500 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: CAPFINANCIAL SECURITIES, LLC Service code 49 708 N SANTA FE AVE · EDMOND, OK 73003 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 | $51,995 | $75,183-30.8% | $123,894-58.0% | $55,167-5.8% |
| Participation rate | 48.6% | 72.8%-24.2pp | 81.4%-32.8pp | 69.0%-20.4pp |
| Annual return | 9.40% | 19.01%-9.6pp | 47.52%-38.1pp | 169.23%-159.8pp |
| Employer contribution / active EE | $427 | $2,823-84.9% | $4,617-90.7% | $1,963-78.2% |
| Participant deferral / active EE | $4,306 | $5,084-15.3% | $5,984-28.0% | $3,054+41.0% |
| Admin fee / account holder | $20 | $663-97.0% | $8,357-99.8% | $504-96.0% |