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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $30,158 |
MORGAN STANLEY SMITH BARNEY2 years Service code 15 · EIN 20-8764829 | Recordkeeping | $18,085 |
ADP BROKER-DEALER2 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,810 | $42,367-65.0% | $79,583-81.4% | $64,824-77.2% |
| Participation rate | 91.4% | 64.7%+26.7pp | 69.5%+21.9pp | 71.5%+19.9pp |
| Annual return | -17.56% | -12.24%-5.3pp | 0.16%-17.7pp | 32.84%-50.4pp |
| Employer contribution / active EE | $2,278 | $1,181+93.0% | $2,414-5.6% | $2,507-9.1% |
| Participant deferral / active EE | $3,763 | $3,168+18.8% | $3,986-5.6% | $4,311-12.7% |
| Admin fee / account holder | $160 | $160+0.1% | $6,835-97.7% | $188-15.0% |