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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 | $89,465-82.0% | $165,071-90.3% | $77,736-79.3% |
| Participation rate | 92.5% | 78.6%+13.8pp | 78.6%+13.8pp | 70.6%+21.9pp |
| Annual return | 22.54% | 28.86%-6.3pp | 70.17%-47.6pp | 31.26%-8.7pp |
| Employer contribution / active EE | $1,465 | $2,565-42.9% | $4,347-66.3% | $2,728-46.3% |
| Participant deferral / active EE | $4,088 | $4,904-16.7% | $6,035-32.3% | $4,651-12.1% |
| Admin fee / account holder | $164 | $340-51.6% | $12,695-98.7% | $433-62.1% |