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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $5,000 |
ADP BROKER-DEALER2+ 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,959 | $42,582-81.3% | $171,082-95.3% | $57,658-86.2% |
| Participation rate | 15.0% | 63.9%-48.9pp | 76.7%-61.7pp | 70.2%-55.2pp |
| Annual return | 11.94% | 308.67%-296.7pp | 32.56%-20.6pp | 5.13%+6.8pp |
| Employer contribution / active EE | $0 | $1,306-100.0% | $4,002-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $508 | $2,933-82.7% | $4,797-89.4% | $3,061-83.4% |
| Admin fee / account holder | $26 | $82-68.4% | $8,520-99.7% | $95-72.5% |