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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $28,451 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $16,501 | $64,286-74.3% | $90,970-81.9% | $73,412-77.5% |
| Participation rate | 41.5% | 63.6%-22.0pp | 69.0%-27.5pp | 72.2%-30.6pp |
| Annual return | 11.68% | 21.46%-9.8pp | 134.60%-122.9pp | 59.30%-47.6pp |
| Employer contribution / active EE | $273 | $895-69.5% | $2,122-87.1% | $2,234-87.8% |
| Participant deferral / active EE | $1,966 | $2,453-19.9% | $3,373-41.7% | $3,806-48.3% |
| Admin fee / account holder | $112 | $287-60.8% | $5,961-98.1% | $158-28.8% |