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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $32,010 |
ADP BROKER-DEALER5+ 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.
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 | $10,295 | $46,423-77.8% | $75,900-86.4% | $67,582-84.8% |
| Participation rate | 42.9% | 63.1%-20.2pp | 69.3%-26.4pp | 71.3%-28.4pp |
| Annual return | 13.82% | 32.29%-18.5pp | 30.73%-16.9pp | 378.57%-364.7pp |
| Employer contribution / active EE | $740 | $1,406-47.4% | $2,501-70.4% | $2,148-65.6% |
| Participant deferral / active EE | $1,002 | $2,564-60.9% | $3,604-72.2% | $3,539-71.7% |
| Admin fee / account holder | $81 | $132-38.2% | $5,421-98.5% | $142-42.8% |