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| Provider | Service type | Compensation |
|---|---|---|
401K ADVISORS INC1 year Service code 15 · EIN 33-0905143 | Recordkeeping | $16,031 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,845 |
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 | $24,560 | $85,515-71.3% | $112,040-78.1% | $67,986-63.9% |
| Participation rate | 61.1% | 68.2%-7.1pp | 76.5%-15.4pp | 57.2%+3.9pp |
| Annual return | 19.06% | 29.68%-10.6pp | 24.52%-5.5pp | 31.67%-12.6pp |
| Employer contribution / active EE | $1,667 | $2,191-23.9% | $2,954-43.6% | $2,019-17.4% |
| Participant deferral / active EE | $2,627 | $4,014-34.5% | $5,098-48.5% | $3,358-21.8% |
| Admin fee / account holder | $121 | $3,774-96.8% | $12,098-99.0% | $3,203-96.2% |