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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $40,624 |
Service code 15 · EIN 20-8764829 | Recordkeeping | $7,264 |
ADP BROKER-DEALER1 year Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $22,455 | $88,186-74.5% | $165,071-86.4% | $74,459-69.8% |
| Participation rate | 89.4% | 73.1%+16.3pp | 78.6%+10.8pp | 67.2%+22.2pp |
| Annual return | 18.95% | 17.13%+1.8pp | 70.17%-51.2pp | 1369.70%-1350.8pp |
| Employer contribution / active EE | $2,169 | $2,600-16.6% | $4,347-50.1% | $2,626-17.4% |
| Participant deferral / active EE | $5,188 | $4,505+15.2% | $6,035-14.0% | $4,350+19.3% |
| Admin fee / account holder | $307 | $2,234-86.3% | $12,695-97.6% | $1,945-84.2% |