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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $17,772 |
GEFFEN MESHER2+ years Filed as: GEFFEN MESHER & COMPANY PC Service code 15 · EIN 93-1042710 | Recordkeeping | $15,900 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $39,586 | $89,364-55.7% | $141,177-72.0% | $72,983-45.8% |
| Participation rate | 63.2% | 75.1%-11.9pp | 82.5%-19.3pp | 69.5%-6.3pp |
| Annual return | 20.01% | 111.86%-91.9pp | 71.40%-51.4pp | 81.01%-61.0pp |
| Employer contribution / active EE | $565 | $3,115-81.9% | $4,736-88.1% | $2,440-76.8% |
| Participant deferral / active EE | $4,784 | $5,419-11.7% | $6,710-28.7% | $3,608+32.6% |
| Admin fee / account holder | $347 | $5,959-94.2% | $10,263-96.6% | $5,124-93.2% |