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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,200 |
ADP BROKER-DEALER2 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
NFP RETIREMENT INC1 year Filed as: NFP NATIONAL FINANCIAL PARTNERS Service code 49 4635 SOUTHWEST FREEWAY · HOUSTON, TX 77027 | Other Services | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,357 | $46,297+6.6% | $71,671-31.1% | $62,293-20.8% |
| Participation rate | 61.8% | 60.6%+1.1pp | 68.7%-7.0pp | 69.5%-7.8pp |
| Annual return | 16.55% | 22.32%-5.8pp | 20.65%-4.1pp | 28.90%-12.3pp |
| Employer contribution / active EE | $0 | $1,412-100.0% | $2,460-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $3,330 | $2,235+49.0% | $3,438-3.1% | $3,169+5.1% |
| Admin fee / account holder | $18 | $461-96.2% | $5,558-99.7% | $479-96.3% |