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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $3,615 |
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 | $20,835 | $84,940-75.5% | $111,306-81.3% | $79,389-73.8% |
| Participation rate | 79.2% | 75.9%+3.4pp | 77.3%+1.9pp | 70.7%+8.5pp |
| Annual return | 18.53% | 17.45%+1.1pp | 54.67%-36.1pp | 116.89%-98.4pp |
| Employer contribution / active EE | $862 | $1,979-56.4% | $2,732-68.4% | $2,428-64.5% |
| Participant deferral / active EE | $2,508 | $3,889-35.5% | $4,488-44.1% | $4,046-38.0% |
| Admin fee / account holder | $22 | $537-95.9% | $7,966-99.7% | $626-96.5% |