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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $52,838 |
MMA SECURITIES LLC1 year Filed as: MMA SECURITIES, LLC Service code 15 · EIN 22-3570392 | Recordkeeping | $22,731 |
PENTEGRA SERVICES, INC.1 year Filed as: PENTEGRA SERVICE, INC. Service code 15 · EIN 13-3745616 | Recordkeeping | $6,450 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $16,672 | $82,979-79.9% | $102,383-83.7% | $77,714-78.5% |
| Participation rate | 46.7% | 71.5%-24.9pp | 74.5%-27.8pp | 70.6%-23.9pp |
| Annual return | 16.08% | 19.11%-3.0pp | 24.94%-8.9pp | 31.26%-15.2pp |
| Employer contribution / active EE | $1,589 | $3,554-55.3% | $3,870-58.9% | $2,727-41.7% |
| Participant deferral / active EE | $2,813 | $4,109-31.5% | $5,060-44.4% | $4,649-39.5% |
| Admin fee / account holder | $246 | $639-61.5% | $8,391-97.1% | $433-43.3% |