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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER10+ 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.
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 | $87,688 | $89,067-1.5% | $102,423-14.4% | $77,714+12.8% |
| Participation rate | 59.8% | 80.9%-21.1pp | 76.5%-16.7pp | 70.6%-10.8pp |
| Annual return | 18.87% | 25.01%-6.1pp | 29.42%-10.6pp | 31.26%-12.4pp |
| Employer contribution / active EE | $895 | $2,699-66.9% | $3,023-70.4% | $2,727-67.2% |
| Participant deferral / active EE | $5,488 | $5,147+6.6% | $5,054+8.6% | $4,649+18.0% |
| Admin fee / account holder | $0 | $236-100.0% | $9,455-100.0% | $433-100.0% |