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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $4,438 |
ADP BROKER-DEALER4 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $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).
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 | $12,360 | $82,188-85.0% | $125,391-90.1% | $64,824-80.9% |
| Participation rate | 50.1% | 77.9%-27.8pp | 82.4%-32.3pp | 71.5%-21.4pp |
| Annual return | -12.30% | 3.50%-15.8pp | 572.41%-584.7pp | 32.84%-45.1pp |
| Employer contribution / active EE | $1,113 | $3,617-69.2% | $4,816-76.9% | $2,507-55.6% |
| Participant deferral / active EE | $2,727 | $7,177-62.0% | $7,448-63.4% | $4,311-36.7% |
| Admin fee / account holder | $14 | $163-91.3% | $10,009-99.9% | $188-92.4% |