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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $8,408 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,352 | $46,332-79.8% | $143,799-93.5% | $64,819-85.6% |
| Participation rate | 17.4% | 64.2%-46.8pp | 80.3%-62.9pp | 71.5%-54.1pp |
| Annual return | 5.12% | -10.05%+15.2pp | -0.04%+5.2pp | 32.84%-27.7pp |
| Employer contribution / active EE | $516 | $1,911-73.0% | $4,952-89.6% | $2,507-79.4% |
| Participant deferral / active EE | $1,493 | $2,647-43.6% | $5,638-73.5% | $4,311-65.4% |
| Admin fee / account holder | $82 | $154-46.8% | $14,677-99.4% | $188-56.5% |