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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RESOURCES INVESTMENT ADVISORS, INC. Service code 15 · EIN 43-1451524 | Recordkeeping | $14,488 |
ADP BROKER-DEALER6 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $7,090 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $49,752 | $55,932-11.0% | $76,735-35.2% | $67,986-26.8% |
| Participation rate | 54.5% | 50.8%+3.7pp | 69.5%-15.0pp | 57.2%-2.7pp |
| Annual return | 15.80% | 23.10%-7.3pp | 29.77%-14.0pp | 31.67%-15.9pp |
| Employer contribution / active EE | $770 | $1,487-48.2% | $2,454-68.6% | $2,019-61.8% |
| Participant deferral / active EE | $3,329 | $2,558+30.1% | $4,088-18.6% | $3,358-0.9% |
| Admin fee / account holder | $281 | $4,907-94.3% | $7,189-96.1% | $3,203-91.2% |