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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 47-4456694 | Recordkeeping | $27,743 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $17,641 |
Service code 37 · EIN 36-3429599 | Loan Processing | $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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $116,841 | $89,225+31.0% | $136,072-14.1% | $74,459+56.9% |
| Participation rate | 54.7% | 69.4%-14.8pp | 76.4%-21.8pp | 67.2%-12.6pp |
| Annual return | 9.61% | 22.76%-13.1pp | 580.46%-570.8pp | 1369.70%-1360.1pp |
| Employer contribution / active EE | $455 | $2,816-83.8% | $4,216-89.2% | $2,626-82.7% |
| Participant deferral / active EE | $4,363 | $4,597-5.1% | $7,028-37.9% | $4,350+0.3% |
| Admin fee / account holder | $453 | $1,545-70.7% | $6,718-93.3% | $1,945-76.7% |