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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $6,613 |
LPL FINANCIAL1 year Service code 15 · EIN 04-3046611 | Recordkeeping | $5,276 |
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $41,054 | $80,753-49.2% | $136,298-69.9% | $62,293-34.1% |
| Participation rate | 53.7% | 73.5%-19.9pp | 81.9%-28.2pp | 69.5%-15.8pp |
| Annual return | 32.72% | 35.83%-3.1pp | 5156.27%-5123.6pp | 28.90%+3.8pp |
| Employer contribution / active EE | $184 | $2,884-93.6% | $4,696-96.1% | $2,042-91.0% |
| Participant deferral / active EE | $4,713 | $5,164-8.7% | $6,247-24.6% | $3,169+48.7% |
| Admin fee / account holder | $132 | $525-74.9% | $9,244-98.6% | $479-72.4% |