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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $605 |
ADP BROKER-DEALER3+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $13,353 | $54,541-75.5% | $78,778-83.0% | $70,126-81.0% |
| Participation rate | 28.0% | 60.8%-32.8pp | 69.2%-41.2pp | 69.5%-41.6pp |
| Annual return | -6.50% | 21.07%-27.6pp | 35.62%-42.1pp | 73.15%-79.6pp |
| Employer contribution / active EE | $254 | $1,089-76.7% | $1,986-87.2% | $2,343-89.2% |
| Participant deferral / active EE | $2,211 | $2,2100% | $2,958-25.3% | $3,332-33.6% |
| Admin fee / account holder | $49 | $3,709-98.7% | $5,134-99.0% | $4,645-98.9% |