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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,431 |
ADP BROKER-DEALER8+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
HILLTOP SECURITIES INC.4 years Filed as: HILLTOP SECURITIES INC Service code 49 GRANITE PKWY STE 300 · PLANO, TX 75024 | 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $17,015 | $54,245-68.6% | $93,727-81.8% | $77,762-78.1% |
| Participation rate | 31.4% | 63.9%-32.5pp | 68.7%-37.3pp | 70.6%-39.2pp |
| Annual return | 12.57% | 30.58%-18.0pp | 133.83%-121.3pp | 31.27%-18.7pp |
| Employer contribution / active EE | $141 | $1,168-87.9% | $2,421-94.2% | $2,728-94.8% |
| Participant deferral / active EE | $1,436 | $3,144-54.3% | $4,417-67.5% | $4,651-69.1% |
| Admin fee / account holder | $23 | $575-96.1% | $8,292-99.7% | $433-94.8% |