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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $12,844 |
Filed as: RESOURCES INVESTMENT ADVISORS, INC. Service code 15 · EIN 43-1451524 | Recordkeeping | $11,437 |
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 | $46,859 | $54,679-14.3% | $76,119-38.4% | $74,459-37.1% |
| Participation rate | 58.6% | 60.3%-1.7pp | 69.1%-10.5pp | 67.2%-8.6pp |
| Annual return | 11.88% | 31.90%-20.0pp | 361.25%-349.4pp | 1369.70%-1357.8pp |
| Employer contribution / active EE | $856 | $1,781-51.9% | $2,693-68.2% | $2,626-67.4% |
| Participant deferral / active EE | $3,768 | $3,072+22.7% | $4,259-11.5% | $4,350-13.4% |
| Admin fee / account holder | $282 | $2,238-87.4% | $6,421-95.6% | $1,945-85.5% |