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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $5,731 |
Annual investment return 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 | $2,225 | $28,601-92.2% | $71,702-96.9% | $66,930-96.7% |
| Participation rate | 93.8% | 56.7%+37.1pp | 62.3%+31.4pp | 69.8%+23.9pp |
| Annual return | -20.93% | -10.90%-10.0pp | 9.14%-30.1pp | 1.57%-22.5pp |
| Employer contribution / active EE | $594 | $1,104-46.2% | $1,704-65.1% | $2,545-76.7% |
| Participant deferral / active EE | $1,741 | $1,912-8.9% | $2,658-34.5% | $4,238-58.9% |
| Admin fee / account holder | $43 | $506-91.4% | $3,974-98.9% | $593-92.7% |