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| Provider | Service type | Compensation |
|---|---|---|
MMA SECURITIES LLC2 years Filed as: MMA SECURITIES, LLC Service code 15 · EIN 22-3570392 | Recordkeeping | $10,693 |
ADP BROKER-DEALER3+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,143 |
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 | $20,194 | $61,356-67.1% | $149,696-86.5% | $71,511-71.8% |
| Participation rate | 84.2% | 62.5%+21.6pp | 78.8%+5.4pp | 67.9%+16.2pp |
| Annual return | 16.46% | 35.86%-19.4pp | 134.46%-118.0pp | 28.86%-12.4pp |
| Employer contribution / active EE | $234 | $2,382-90.2% | $4,821-95.1% | $2,589-91.0% |
| Participant deferral / active EE | $2,946 | $2,920+0.9% | $5,682-48.2% | $4,291-31.3% |
| Admin fee / account holder | $101 | $1,263-92.0% | $13,212-99.2% | $1,588-93.6% |