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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $1,265 |
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984 | 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,148 | $35,986-85.7% | $77,513-93.4% | $73,493-93.0% |
| Participation rate | 24.4% | 40.8%-16.4pp | 54.2%-29.8pp | 70.7%-46.3pp |
| Annual return | 20.97% | 19.26%+1.7pp | 54.81%-33.8pp | 28.51%-7.5pp |
| Employer contribution / active EE | $86 | $557-84.6% | $987-91.3% | $2,270-96.2% |
| Participant deferral / active EE | $661 | $1,198-44.8% | $1,861-64.5% | $3,740-82.3% |
| Admin fee / account holder | $18 | $466-96.1% | $2,859-99.4% | $513-96.4% |