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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $1,182 |
ADP BROKER-DEALER6 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 49 1290 AVENUE OF THE AMERICAS · NEW YORK, NY 10104 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $94,273 | $101,795-7.4% | $165,100-42.9% | $80,959+16.4% |
| Participation rate | 64.4% | 71.8%-7.4pp | 78.6%-14.2pp | 67.7%-3.2pp |
| Annual return | 14.58% | 16.73%-2.1pp | 70.21%-55.6pp | 35.67%-21.1pp |
| Employer contribution / active EE | $1,262 | $2,954-57.3% | $4,348-71.0% | $2,757-54.2% |
| Participant deferral / active EE | $5,740 | $4,476+28.2% | $6,035-4.9% | $4,300+33.5% |
| Admin fee / account holder | $11 | $8,221-99.9% | $12,696-99.9% | $6,925-99.8% |