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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $18,209 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,722 |
ADP BROKER-DEALER1+ 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.
Annual investment return 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,658 | $72,177-49.2% | $115,038-68.1% | $59,633-38.5% |
| Participation rate | 20.0% | 72.6%-52.6pp | 81.4%-61.4pp | 68.7%-48.7pp |
| Annual return | -3.22% | 12.02%-15.2pp | 26.14%-29.4pp | 2041.45%-2044.7pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,604 | $4,783-24.6% | $6,026-40.2% | $3,192+12.9% |
| Admin fee / account holder | $72 | $4,927-98.5% | $8,175-99.1% | $4,297-98.3% |