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| Provider | Service type | Compensation |
|---|---|---|
401K ADVISORS INC4 years Service code 15 · EIN 33-0905143 | Recordkeeping | $4,289 |
Service code 37 · EIN 39-6040276 | Loan Processing | $2,730 |
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,539 |
ADP BROKER-DEALER9+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,639 | $71,526-62.8% | $98,450-72.9% | $71,495-62.7% |
| Participation rate | 95.4% | 72.7%+22.6pp | 75.2%+20.2pp | 67.9%+27.4pp |
| Annual return | 15.69% | 32.42%-16.7pp | 21.16%-5.5pp | 28.85%-13.2pp |
| Employer contribution / active EE | $515 | $2,400-78.5% | $3,049-83.1% | $2,589-80.1% |
| Participant deferral / active EE | $3,433 | $4,110-16.5% | $4,739-27.6% | $4,291-20.0% |
| Admin fee / account holder | $48 | $1,675-97.1% | $8,961-99.5% | $1,588-97.0% |