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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $403 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: NYLIFE SECURITIES LLC Service code 49 999 WATERSIDE DRICE STE 900 · NORFOLK, VA 23510 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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 | $9,474 | $54,541-82.6% | $78,778-88.0% | $70,126-86.5% |
| Participation rate | 60.9% | 60.8%+0.1pp | 69.2%-8.3pp | 69.5%-8.7pp |
| Annual return | 21.88% | 21.07%+0.8pp | 35.62%-13.7pp | 73.15%-51.3pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $524 | $2,210-76.3% | $2,958-82.3% | $3,332-84.3% |
| Admin fee / account holder | $3 | $3,709-99.9% | $5,134-99.9% | $4,645-99.9% |