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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $29,004 |
ADP BROKER-DEALER4+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
LPL FINANCIAL1 year Service code 49 · EIN 11-6781829 | 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,712 | $140,800-96.7% | $89,340-94.7% | $79,634-94.1% |
| Participation rate | 67.4% | 61.9%+5.5pp | 69.6%-2.1pp | 62.5%+4.9pp |
| Annual return | 13.94% | 17.84%-3.9pp | 20.57%-6.6pp | 36.46%-22.5pp |
| Employer contribution / active EE | $1,013 | $2,021-49.9% | $2,231-54.6% | $2,529-59.9% |
| Participant deferral / active EE | $1,769 | $3,219-45.0% | $3,823-53.7% | $3,835-53.9% |
| Admin fee / account holder | $36 | $1,610-97.8% | $6,704-99.5% | $1,002-96.4% |