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| Provider | Service type | Compensation |
|---|---|---|
CADARET GRANT & CO INC2 years Service code 15 · EIN 22-2361254 | Recordkeeping | $11,613 |
ADP BROKER-DEALER3+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $8,470 |
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 | $20,385 | $55,402-63.2% | $76,089-73.2% | $77,714-73.8% |
| Participation rate | 46.0% | 63.6%-17.5pp | 69.1%-23.1pp | 70.6%-24.5pp |
| Annual return | 14.30% | 17.09%-2.8pp | 360.94%-346.6pp | 31.26%-17.0pp |
| Employer contribution / active EE | $0 | $1,789-100.0% | $2,690-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $2,480 | $3,450-28.1% | $4,259-41.8% | $4,649-46.7% |
| Admin fee / account holder | $109 | $410-73.4% | $6,418-98.3% | $433-74.8% |