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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $760 |
ADP BROKER-DEALER2 years Service code 49 · EIN 22-3319984 | Other Services | $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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $25,212 | $66,813-62.3% | $100,530-74.9% | $73,493-65.7% |
| Participation rate | 56.8% | 77.5%-20.6pp | 79.4%-22.6pp | 70.7%-13.8pp |
| Annual return | 27.96% | 25.70%+2.3pp | 30.89%-2.9pp | 28.51%-0.6pp |
| Employer contribution / active EE | $0 | $2,147-100.0% | $3,418-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $6,708 | $5,883+14.0% | $6,271+7.0% | $3,740+79.4% |
| Admin fee / account holder | $7 | $512-98.6% | $8,083-99.9% | $513-98.6% |