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| Provider | Service type | Compensation |
|---|---|---|
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $13,071 | $80,177-83.7% | $123,894-89.4% | $57,658-77.3% |
| Participation rate | 28.9% | 74.4%-45.5pp | 81.4%-52.5pp | 70.2%-41.3pp |
| Annual return | 10.27% | 17.90%-7.6pp | 47.52%-37.2pp | 5.13%+5.1pp |
| Employer contribution / active EE | $0 | $2,913-100.0% | $4,617-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $2,898 | $5,130-43.5% | $5,984-51.6% | $3,061-5.3% |
| Admin fee / account holder | $0 | $106-100.0% | $8,357-100.0% | $95-100.0% |