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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $40,581 |
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.
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 | $31,584 | $104,479-69.8% | $159,474-80.2% | $79,391-60.2% |
| Participation rate | 55.3% | 76.6%-21.3pp | 82.8%-27.5pp | 70.7%-15.4pp |
| Annual return | 24.65% | 67.98%-43.3pp | 263.68%-239.0pp | 116.88%-92.2pp |
| Employer contribution / active EE | $353 | $3,417-89.7% | $4,831-92.7% | $2,428-85.5% |
| Participant deferral / active EE | $3,177 | $6,468-50.9% | $7,353-56.8% | $4,046-21.5% |
| Admin fee / account holder | $271 | $711-62.0% | $10,802-97.5% | $627-56.8% |