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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $1,270 |
ADP BROKER-DEALER3+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Filed as: MORGAN STANLEY WEALTH MANAGEMENT Service code 49 500 POST ROAD EAST 2ND FLOOR · WESTPORT, CT 06881 | Other Services | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,335 | $77,677-90.6% | $109,188-93.3% | $79,389-90.8% |
| Participation rate | 92.3% | 67.8%+24.5pp | 75.9%+16.5pp | 70.7%+21.6pp |
| Annual return | 11.25% | 23.44%-12.2pp | 25.76%-14.5pp | 116.89%-105.6pp |
| Employer contribution / active EE | $0 | $2,798-100.0% | $3,723-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $2,305 | $3,517-34.5% | $4,654-50.5% | $4,046-43.0% |
| Admin fee / account holder | $6 | $732-99.2% | $6,755-99.9% | $626-99.1% |