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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $5,925 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $10,658 | $66,004-83.9% | $81,820-87.0% | $77,714-86.3% |
| Participation rate | 68.6% | 65.8%+2.8pp | 72.4%-3.8pp | 70.6%-2.0pp |
| Annual return | 96.68% | 26.65%+70.0pp | 777.93%-681.3pp | 31.26%+65.4pp |
| Employer contribution / active EE | $1,278 | $2,375-46.2% | $2,915-56.2% | $2,727-53.1% |
| Participant deferral / active EE | $2,793 | $3,508-20.4% | $4,323-35.4% | $4,649-39.9% |
| Admin fee / account holder | $11 | $527-97.9% | $7,391-99.9% | $433-97.5% |