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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $3,599 |
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.
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 | $26,103 | $80,781-67.7% | $102,437-74.5% | $74,478-65.0% |
| Participation rate | 47.4% | 65.7%-18.3pp | 74.5%-27.1pp | 67.2%-19.8pp |
| Annual return | 16.92% | 27.58%-10.7pp | 24.95%-8.0pp | 1370.56%-1353.6pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $3,871-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $6,622 | $3,862+71.5% | $5,060+30.9% | $4,350+52.2% |
| Admin fee / account holder | $29 | $2,372-98.8% | $8,388-99.7% | $1,946-98.5% |