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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,345 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,106 | $69,708-85.5% | $67,560-85.0% | $74,478-86.4% |
| Participation rate | 53.6% | 71.4%-17.8pp | 72.9%-19.3pp | 67.2%-13.6pp |
| Annual return | 12.01% | -40.67%+52.7pp | 3533.50%-3521.5pp | 1370.56%-1358.6pp |
| Employer contribution / active EE | $653 | $2,715-75.9% | $2,737-76.1% | $2,626-75.1% |
| Participant deferral / active EE | $1,728 | $3,637-52.5% | $4,004-56.8% | $4,350-60.3% |
| Admin fee / account holder | $38 | $887-95.7% | $3,994-99.1% | $1,946-98.1% |