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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $23,848 |
Filed as: ROYAL ALLIANCE ASSOCIATES, INC. Service code 15 · EIN 93-0987232 | Recordkeeping | $7,481 |
ADP BROKER-DEALER2+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 | $27,924 | $58,969-52.6% | $129,406-78.4% | $77,762-64.1% |
| Participation rate | 47.0% | 59.5%-12.5pp | 69.6%-22.7pp | 70.6%-23.6pp |
| Annual return | 20.98% | 24.78%-3.8pp | 9468.18%-9447.2pp | 31.27%-10.3pp |
| Employer contribution / active EE | $1,338 | $1,959-31.7% | $4,155-67.8% | $2,728-51.0% |
| Participant deferral / active EE | $2,831 | $3,224-12.2% | $4,167-32.1% | $4,651-39.1% |
| Admin fee / account holder | $144 | $593-75.6% | $7,689-98.1% | $433-66.6% |