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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $28,602 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $26,783 | $95,369-71.9% | $135,942-80.3% | $74,440-64.0% |
| Participation rate | 53.9% | 78.2%-24.3pp | 81.9%-28.0pp | 70.7%-16.8pp |
| Annual return | 34.09% | 32.72%+1.4pp | 68.28%-34.2pp | 34.37%-0.3pp |
| Employer contribution / active EE | $0 | $3,878-100.0% | $4,858-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $8,088 | $7,788+3.9% | $7,759+4.2% | $4,529+78.6% |
| Admin fee / account holder | $104 | $266-60.8% | $10,764-99.0% | $348-70.0% |