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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 | $45,109-10.0% | $85,187-52.3% | $77,736-47.8% |
| Participation rate | 35.2% | 48.7%-13.5pp | 67.5%-32.3pp | 70.6%-35.4pp |
| Annual return | 10.21% | 79.55%-69.3pp | 66.67%-56.5pp | 31.26%-21.1pp |
| Employer contribution / active EE | $1,051 | $1,602-34.4% | $2,732-61.5% | $2,728-61.5% |
| Participant deferral / active EE | $2,086 | $2,814-25.8% | $4,525-53.9% | $4,651-55.1% |
| Admin fee / account holder | $235 | $915-74.4% | $6,162-96.2% | $433-45.8% |