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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $22,827 |
Filed as: ROYAL ALLIANCE ASSOCIATES, INC. Service code 15 · EIN 93-0987232 | Recordkeeping | $17,331 |
WOODBURY FINANCIAL SERVICES7 years Filed as: WOODBURY FINANCIAL SERVICES INC. Service code 15 · EIN 41-0944586 | Recordkeeping | $5,348 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $21,296 | $78,607-72.9% | $105,624-79.8% | $74,478-71.4% |
| Participation rate | 59.2% | 72.8%-13.6pp | 75.3%-16.0pp | 67.2%-8.0pp |
| Annual return | 14.58% | 15.96%-1.4pp | 116.20%-101.6pp | 1370.56%-1356.0pp |
| Employer contribution / active EE | $0 | $2,523-100.0% | $3,168-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,626 | $4,325-62.4% | $5,013-67.6% | $4,350-62.6% |
| Admin fee / account holder | $221 | $2,220-90.0% | $10,961-98.0% | $1,946-88.6% |