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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $5,980 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
NFP RETIREMENT INC1 year Filed as: NFP Service code 49 245 FISCHER AVE SUITE A-2 · COSTA MESA, CA 92626 | Other Services | $0 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,194 | $37,044-86.0% | $71,796-92.8% | $57,658-91.0% |
| Participation rate | 78.5% | 61.1%+17.4pp | 69.1%+9.4pp | 70.2%+8.3pp |
| Annual return | 20.54% | 12.64%+7.9pp | 78.04%-57.5pp | 5.13%+15.4pp |
| Employer contribution / active EE | $0 | $720-100.0% | $1,924-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $2,556 | $1,974+29.5% | $2,794-8.5% | $3,061-16.5% |
| Admin fee / account holder | $12 | $101-88.1% | $4,815-99.8% | $95-87.3% |