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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AMERIPRISE FINANCIAL Service code 15 · EIN 41-0973005 | Recordkeeping | $15,952 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $15,604 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $52,650 | $86,294-39.0% | $111,303-52.7% | $85,856-38.7% |
| Participation rate | 72.0% | 73.3%-1.3pp | 77.3%-5.3pp | 69.3%+2.7pp |
| Annual return | 18.33% | 19.99%-1.7pp | 54.66%-36.3pp | 318.58%-300.3pp |
| Employer contribution / active EE | $1,304 | $2,043-36.2% | $2,731-52.3% | $2,565-49.2% |
| Participant deferral / active EE | $4,647 | $3,641+27.6% | $4,487+3.5% | $3,952+17.6% |
| Admin fee / account holder | $347 | $8,189-95.8% | $7,966-95.6% | $6,261-94.5% |