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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $507 |
ADP BROKER-DEALER4 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
SILVER OAK SECURITIES. INC3 years Service code 49 205 POWELL PLACE · BRENTWOOD, TN 37027 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,521 | $65,376-90.0% | $87,104-92.5% | $65,185-90.0% |
| Participation rate | 22.0% | 75.3%-53.3pp | 76.9%-54.9pp | 70.2%-48.2pp |
| Annual return | 29.85% | 31.27%-1.4pp | 28.19%+1.7pp | 29.38%+0.5pp |
| Employer contribution / active EE | $0 | $1,822-100.0% | $2,521-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $378 | $3,388-88.8% | $4,048-90.7% | $3,514-89.2% |
| Admin fee / account holder | $7 | $520-98.6% | $7,491-99.9% | $847-99.1% |