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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.1+ years Service code 64 · EIN 16-1124166 | Recordkeeping Fees | $9,772 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $50 |
PAYCHEX, INC.1+ years Filed as: PAYCHEX SECURITIES CORPORATION Service code 64 · EIN 16-1486352 | Recordkeeping Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,084 | $54,320-77.8% | $67,652-82.1% | $52,331-76.9% |
| Participation rate | 56.3% | 73.6%-17.3pp | 75.7%-19.3pp | 68.1%-11.8pp |
| Annual return | -8.24% | 6.81%-15.0pp | 6625.04%-6633.3pp | 4.54%-12.8pp |
| Employer contribution / active EE | $390 | $1,544-74.8% | $2,266-82.8% | $1,882-79.3% |
| Participant deferral / active EE | $1,612 | $2,950-45.4% | $3,560-54.7% | $3,022-46.7% |
| Admin fee / account holder | $132 | $527-75.0% | $4,821-97.3% | $592-77.7% |