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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $830 |
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.
Employer 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,825 | $64,909-63.3% | $82,312-71.1% | $62,293-61.8% |
| Participation rate | 43.5% | 74.9%-31.3pp | 76.9%-33.3pp | 69.5%-26.0pp |
| Annual return | 18.37% | 21.18%-2.8pp | 25.88%-7.5pp | 28.90%-10.5pp |
| Employer contribution / active EE | $197 | $1,676-88.3% | $2,428-91.9% | $2,042-90.4% |
| Participant deferral / active EE | $1,925 | $3,103-38.0% | $3,706-48.1% | $3,169-39.2% |
| Admin fee / account holder | $37 | $440-91.7% | $5,608-99.3% | $479-92.4% |