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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-5674085 | Recordkeeping | $21,868 |
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,409 |
ADP BROKER-DEALER9+ 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.
Participant 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,417 | $56,638-67.5% | $169,390-89.1% | $74,460-75.3% |
| Participation rate | 40.6% | 67.5%-27.0pp | 77.2%-36.6pp | 70.7%-30.2pp |
| Annual return | 18.95% | 24.75%-5.8pp | 406.07%-387.1pp | 34.38%-15.4pp |
| Employer contribution / active EE | $882 | $2,027-56.5% | $4,013-78.0% | $2,638-66.6% |
| Participant deferral / active EE | $1,556 | $4,223-63.1% | $6,222-75.0% | $4,530-65.6% |
| Admin fee / account holder | $81 | $307-73.5% | $9,015-99.1% | $348-76.7% |