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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $300 |
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984 | Other Services | $0 |
RBC WEALTH MANAGEMENT1 year Service code 49 601 W MAIN AVE · SPOKANE, WA 99201 | Other Services | $0 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $8,320 | $63,114-86.8% | $92,915-91.0% | $65,186-87.2% |
| Participation rate | 86.6% | 68.8%+17.8pp | 76.0%+10.6pp | 70.2%+16.4pp |
| Annual return | 19.01% | 28.75%-9.7pp | 109.45%-90.4pp | 29.39%-10.4pp |
| Employer contribution / active EE | $0 | $2,571-100.0% | $3,653-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $570 | $3,108-81.7% | $4,238-86.6% | $3,514-83.8% |
| Admin fee / account holder | $2 | $624-99.7% | $5,796-100.0% | $847-99.8% |