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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $7,364 |
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984 | Other Services | $0 |
FEDERATED1 year Filed as: FEDERATED SECURITIES, INC Service code 49 680 PARK AVE · HUNTINGTON, NY 11743 | 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,774 | $46,325-74.6% | $143,788-91.8% | $64,814-81.8% |
| Participation rate | 5.7% | 64.2%-58.6pp | 80.3%-74.6pp | 71.5%-65.8pp |
| Annual return | -7.66% | -10.05%+2.4pp | -0.03%-7.6pp | 32.84%-40.5pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,952-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $101 | $2,647-96.2% | $5,638-98.2% | $4,310-97.7% |
| Admin fee / account holder | $369 | $154+139.6% | $14,675-97.5% | $188+96.2% |