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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,875 |
ADP BROKER-DEALER2+ 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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,198 | $57,103-78.6% | $87,502-86.1% | $57,658-78.8% |
| Participation rate | 32.4% | 64.3%-31.9pp | 73.8%-41.4pp | 70.2%-37.8pp |
| Annual return | 11.38% | 12.71%-1.3pp | 12.21%-0.8pp | 5.13%+6.3pp |
| Employer contribution / active EE | $267 | $1,107-75.9% | $2,550-89.5% | $1,974-86.5% |
| Participant deferral / active EE | $1,645 | $2,250-26.9% | $3,149-47.8% | $3,061-46.3% |
| Admin fee / account holder | $12 | $281-95.8% | $4,221-99.7% | $95-87.4% |