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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $15,730 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
NFP RETIREMENT INC1+ years Filed as: NFP - NATIONAL FINANCIAL PARTNERS Service code 49 245 FISCHER AVE A-2 · COSTA MESA, CA 92626 | Other Services | $0 |
STATE STREET GLOBAL ADVISORS1+ years Filed as: STATE STREET CORPORATION Service code 21 · EIN 04-1867445 | Bank Trustee | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $10,600 | $75,760-86.0% | $123,105-91.4% | $59,188-82.1% |
| Participation rate | 39.8% | 86.0%-46.2pp | 86.8%-46.9pp | 69.4%-29.6pp |
| Annual return | 11.56% | 2.93%+8.6pp | 13.22%-1.7pp | 5.51%+6.1pp |
| Employer contribution / active EE | $0 | $3,415-100.0% | $5,151-100.0% | $2,098-100.0% |
| Participant deferral / active EE | $2,951 | $5,000-41.0% | $6,229-52.6% | $3,265-9.6% |
| Admin fee / account holder | $18 | $61-70.4% | $9,014-99.8% | $92-80.5% |