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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $54,411 |
MMA SECURITIES LLC2 years Filed as: MMA SECURITIES, LLC Service code 15 · EIN 22-3570392 | Recordkeeping | $26,609 |
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).
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 | $16,089 | $89,435-82.0% | $164,975-90.2% | $77,714-79.3% |
| Participation rate | 92.5% | 78.6%+13.8pp | 78.6%+13.8pp | 70.6%+21.9pp |
| Annual return | 22.54% | 28.82%-6.3pp | 70.12%-47.6pp | 31.26%-8.7pp |
| Employer contribution / active EE | $1,465 | $2,563-42.9% | $4,343-66.3% | $2,727-46.3% |
| Participant deferral / active EE | $4,088 | $4,901-16.6% | $6,033-32.3% | $4,649-12.1% |
| Admin fee / account holder | $164 | $340-51.6% | $12,688-98.7% | $433-62.1% |