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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,400 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO ADVISORS Service code 49 58 MOUNT BETHEL ROAD · WARREN, NJ 07059 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,414 | $56,640+43.7% | $80,977+0.5% | $57,658+41.2% |
| Participation rate | 34.4% | 75.9%-41.5pp | 75.8%-41.4pp | 70.2%-35.8pp |
| Annual return | 207.28% | 19.97%+187.3pp | 17.11%+190.2pp | 5.13%+202.1pp |
| Employer contribution / active EE | $423 | $2,085-79.7% | $3,715-88.6% | $1,974-78.5% |
| Participant deferral / active EE | $4,684 | $4,944-5.3% | $5,696-17.8% | $3,061+53.0% |
| Admin fee / account holder | $8 | $87-91.2% | $5,517-99.9% | $95-91.9% |