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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $59,520 |
Filed as: RESOURCES INVESTMENT ADVISORS, INC. Service code 15 · EIN 43-1451524 | Recordkeeping | $19,142 |
ADP BROKER-DEALER2 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $39,623 | $42,367-6.5% | $79,583-50.2% | $64,824-38.9% |
| Participation rate | 64.1% | 64.7%-0.6pp | 69.5%-5.4pp | 71.5%-7.4pp |
| Annual return | -15.85% | -12.24%-3.6pp | 0.16%-16.0pp | 32.84%-48.7pp |
| Employer contribution / active EE | $36 | $1,181-96.9% | $2,414-98.5% | $2,507-98.6% |
| Participant deferral / active EE | $4,190 | $3,168+32.3% | $3,986+5.1% | $4,311-2.8% |
| Admin fee / account holder | $344 | $160+115.3% | $6,835-95.0% | $188+82.9% |