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| Provider | Service type | Compensation |
|---|---|---|
WOODRUFF SAWYER & CO2 years Service code 15 · EIN 45-5618373 | Recordkeeping | $9,792 |
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,090 |
ADP BROKER-DEALER3+ 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 | $12,240 | $44,473-72.5% | $76,518-84.0% | $55,725-78.0% |
| Participation rate | 40.8% | 51.0%-10.1pp | 68.0%-27.2pp | 70.9%-30.0pp |
| Annual return | -11.09% | -2.01%-9.1pp | -0.27%-10.8pp | 244.93%-256.0pp |
| Employer contribution / active EE | $244 | $1,101-77.9% | $2,647-90.8% | $2,078-88.3% |
| Participant deferral / active EE | $1,696 | $1,988-14.7% | $3,836-55.8% | $3,356-49.4% |
| Admin fee / account holder | $66 | $134-50.5% | $4,849-98.6% | $115-42.4% |