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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-5674085 | Recordkeeping | $21,472 |
ADP BROKER-DEALER4+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $7,213 |
ADP BROKER-DEALER4+ years Service code 49 · EIN 22-3319984 | 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,131 | $92,186-77.1% | $105,624-80.0% | $77,762-72.8% |
| Participation rate | 39.9% | 81.0%-41.2pp | 75.3%-35.4pp | 70.6%-30.7pp |
| Annual return | 296.88% | 17.83%+279.1pp | 116.20%+180.7pp | 31.27%+265.6pp |
| Employer contribution / active EE | $1,044 | $3,376-69.1% | $3,168-67.0% | $2,728-61.7% |
| Participant deferral / active EE | $2,094 | $5,395-61.2% | $5,013-58.2% | $4,651-55.0% |
| Admin fee / account holder | $113 | $219-48.4% | $10,961-99.0% | $433-73.9% |