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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $46,003 |
Filed as: AMERICAN ENTERPRISE INVESTMENT SERV Service code 15 · EIN 41-1667086 | Recordkeeping | $13,108 |
Employer 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $13,307 | $54,213-75.5% | $93,696-85.8% | $77,736-82.9% |
| Participation rate | 86.4% | 64.0%+22.4pp | 68.7%+17.7pp | 70.6%+15.8pp |
| Annual return | 15.90% | 30.55%-14.7pp | 133.74%-117.8pp | 31.26%-15.4pp |
| Employer contribution / active EE | $259 | $1,168-77.8% | $2,422-89.3% | $2,728-90.5% |
| Participant deferral / active EE | $3,570 | $3,145+13.5% | $4,417-19.2% | $4,651-23.2% |
| Admin fee / account holder | $194 | $575-66.2% | $8,287-97.7% | $433-55.1% |