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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,070 |
ADP BROKER-DEALER2 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.
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 | $39,635 | $34,634+14.4% | $77,096-48.6% | $64,819-38.9% |
| Participation rate | 15.2% | 49.8%-34.6pp | 67.9%-52.7pp | 71.5%-56.2pp |
| Annual return | -15.80% | -5.31%-10.5pp | 42.35%-58.1pp | 32.84%-48.6pp |
| Employer contribution / active EE | $550 | $1,385-60.3% | $2,814-80.4% | $2,507-78.0% |
| Participant deferral / active EE | $1,236 | $2,553-51.6% | $4,429-72.1% | $4,311-71.3% |
| Admin fee / account holder | $17 | $178-90.2% | $5,428-99.7% | $188-90.7% |