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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | 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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $21,930 | $37,044-40.8% | $71,796-69.5% | $57,658-62.0% |
| Participation rate | 13.1% | 61.1%-48.0pp | 69.1%-56.0pp | 70.2%-57.1pp |
| Annual return | 9.69% | 12.64%-3.0pp | 78.04%-68.4pp | 5.13%+4.6pp |
| Employer contribution / active EE | $194 | $720-73.0% | $1,924-89.9% | $1,974-90.2% |
| Participant deferral / active EE | $548 | $1,974-72.2% | $2,794-80.4% | $3,061-82.1% |
| Admin fee / account holder | $0 | $101-100.0% | $4,815-100.0% | $95-100.0% |