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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,763 |
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.
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 | $6,279 | $44,764-86.0% | $68,808-90.9% | $64,819-90.3% |
| Participation rate | 25.0% | 64.8%-39.8pp | 69.0%-44.0pp | 71.5%-46.5pp |
| Annual return | 17.76% | -10.91%+28.7pp | -6.37%+24.1pp | 32.84%-15.1pp |
| Employer contribution / active EE | $135 | $1,775-92.4% | $2,656-94.9% | $2,507-94.6% |
| Participant deferral / active EE | $1,526 | $3,238-52.9% | $3,942-61.3% | $4,311-64.6% |
| Admin fee / account holder | $31 | $151-79.2% | $4,936-99.4% | $188-83.3% |