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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RESOURCES INVESTMENT ADVISORS, INC. Service code 15 · EIN 43-1451524 | Recordkeeping | $20,020 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $8,605 |
ADP BROKER-DEALER10+ 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,602 | $44,980-9.7% | $85,063-52.3% | $77,692-47.7% |
| Participation rate | 35.2% | 48.6%-13.5pp | 67.5%-32.3pp | 70.6%-35.4pp |
| Annual return | 10.21% | 79.13%-68.9pp | 66.54%-56.3pp | 31.25%-21.0pp |
| Employer contribution / active EE | $1,051 | $1,607-34.6% | $2,727-61.5% | $2,726-61.4% |
| Participant deferral / active EE | $2,086 | $2,804-25.6% | $4,523-53.9% | $4,648-55.1% |
| Admin fee / account holder | $235 | $911-74.3% | $6,155-96.2% | $431-45.5% |