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| Provider | Service type | Compensation |
|---|---|---|
EDWARD JONES8 years Service code 15 · EIN 43-0345811 | Recordkeeping | $7,489 |
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $3,427 |
ADP BROKER-DEALER8 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.
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 | $38,505 | $76,112-49.4% | $96,544-60.1% | $71,529-46.2% |
| Participation rate | 42.6% | 74.4%-31.9pp | 76.0%-33.4pp | 67.9%-25.4pp |
| Annual return | 18.40% | 22.80%-4.4pp | 25.88%-7.5pp | 28.97%-10.6pp |
| Employer contribution / active EE | $229 | $2,248-89.8% | $2,966-92.3% | $2,590-91.2% |
| Participant deferral / active EE | $2,661 | $4,217-36.9% | $4,851-45.1% | $4,291-38.0% |
| Admin fee / account holder | $120 | $2,708-95.6% | $8,254-98.5% | $1,588-92.4% |