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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $11,389 |
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).
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 | $12,143 | $54,213-77.6% | $93,696-87.0% | $77,736-84.4% |
| Participation rate | 20.0% | 64.0%-44.0pp | 68.7%-48.7pp | 70.6%-50.6pp |
| Annual return | 43.69% | 30.55%+13.1pp | 133.74%-90.1pp | 31.26%+12.4pp |
| Employer contribution / active EE | $0 | $1,168-100.0% | $2,422-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,469 | $3,145-53.3% | $4,417-66.7% | $4,651-68.4% |
| Admin fee / account holder | $49 | $575-91.5% | $8,287-99.4% | $433-88.8% |