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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $8,709 |
Service code 15 · EIN 13-5674085 | Recordkeeping | $5,363 |
ADP BROKER-DEALER3 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,987 | $70,418-71.6% | $96,570-79.3% | $85,847-76.7% |
| Participation rate | 89.7% | 61.8%+27.9pp | 69.8%+19.9pp | 69.3%+20.4pp |
| Annual return | 16.85% | 18.59%-1.7pp | 37.79%-20.9pp | 318.61%-301.8pp |
| Employer contribution / active EE | $946 | $1,413-33.1% | $2,357-59.9% | $2,565-63.1% |
| Participant deferral / active EE | $1,456 | $2,894-49.7% | $3,849-62.2% | $3,952-63.2% |
| Admin fee / account holder | $130 | $4,995-97.4% | $6,182-97.9% | $6,261-97.9% |