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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $775 |
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.
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 | $44,112 | $50,898-13.3% | $171,082-74.2% | $55,167-20.0% |
| Participation rate | 48.4% | 63.3%-14.8pp | 76.7%-28.3pp | 69.0%-20.6pp |
| Annual return | 8.92% | 15.34%-6.4pp | 32.56%-23.6pp | 169.23%-160.3pp |
| Employer contribution / active EE | $839 | $1,433-41.5% | $4,002-79.0% | $1,963-57.2% |
| Participant deferral / active EE | $2,071 | $2,994-30.8% | $4,797-56.8% | $3,054-32.2% |
| Admin fee / account holder | $8 | $500-98.4% | $8,520-99.9% | $504-98.5% |