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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $102,703 |
VALMARK ADVISERS INC1 year Filed as: VALMARK SECURITIES INC. Service code 15 · EIN 31-1509466 | Recordkeeping | $10,142 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,428 | $106,236-78.9% | $112,249-80.0% | $64,819-65.4% |
| Participation rate | 51.6% | 71.7%-20.0pp | 75.1%-23.4pp | 71.5%-19.8pp |
| Annual return | 236.22% | -6.02%+242.2pp | 27.48%+208.7pp | 32.84%+203.4pp |
| Employer contribution / active EE | $1,514 | $3,166-52.2% | $3,636-58.4% | $2,507-39.6% |
| Participant deferral / active EE | $2,737 | $3,785-27.7% | $4,729-42.1% | $4,311-36.5% |
| Admin fee / account holder | $494 | $452+9.3% | $6,412-92.3% | $188+162.8% |