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| Provider | Service type | Compensation |
|---|---|---|
Filed as: UBS FINANCIAL SERVICES, INC. Service code 15 · EIN 13-2638166 | Recordkeeping | $7,705 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,028 |
ADP BROKER-DEALER4 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.
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).
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 | $26,912 | $70,917-62.1% | $98,920-72.8% | $73,493-63.4% |
| Participation rate | 28.4% | 73.8%-45.4pp | 76.0%-47.6pp | 70.7%-42.3pp |
| Annual return | 19.88% | 34.18%-14.3pp | 196.47%-176.6pp | 28.51%-8.6pp |
| Employer contribution / active EE | $175 | $2,037-91.4% | $2,689-93.5% | $2,270-92.3% |
| Participant deferral / active EE | $1,718 | $3,501-50.9% | $4,245-59.5% | $3,740-54.1% |
| Admin fee / account holder | $224 | $535-58.2% | $6,643-96.6% | $513-56.4% |