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| Provider | Service type | Compensation |
|---|---|---|
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.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $10,834 | $33,232-67.4% | $71,796-84.9% | $63,975-83.1% |
| Participation rate | 1.9% | 60.1%-58.2pp | 69.1%-67.2pp | 71.1%-69.2pp |
| Annual return | 0.44% | 11.99%-11.5pp | 78.04%-77.6pp | 48.65%-48.2pp |
| Employer contribution / active EE | $0 | $723-100.0% | $1,924-100.0% | $2,182-100.0% |
| Participant deferral / active EE | $53 | $1,604-96.7% | $2,794-98.1% | $3,356-98.4% |
| Admin fee / account holder | $0 | $63-100.0% | $4,815-100.0% | $70-100.0% |