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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $936 |
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
SECURITIES AMERICA INC1 year Filed as: SECURITIES AMERICA Service code 49 18586 MAIN STREET · HUNTINGTON BEACH, CA 92648 | 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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $37,843 | $71,192-46.8% | $117,861-67.9% | $62,293-39.3% |
| Participation rate | 43.4% | 74.2%-30.8pp | 79.7%-36.3pp | 69.5%-26.1pp |
| Annual return | 18.20% | 18.66%-0.5pp | 335.11%-316.9pp | 28.90%-10.7pp |
| Employer contribution / active EE | $421 | $1,934-78.2% | $3,786-88.9% | $2,042-79.4% |
| Participant deferral / active EE | $1,839 | $3,189-42.3% | $4,482-59.0% | $3,169-42.0% |
| Admin fee / account holder | $11 | $587-98.2% | $8,021-99.9% | $479-97.8% |