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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 06-1634601 | Recordkeeping | $14,030 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $10,220 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | 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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $10,798 | $37,117-70.9% | $147,617-92.7% | $55,191-80.4% |
| Participation rate | 15.3% | 63.6%-48.3pp | 84.6%-69.4pp | 69.2%-53.9pp |
| Annual return | -5.32% | 3.44%-8.8pp | 61.98%-67.3pp | 10.78%-16.1pp |
| Employer contribution / active EE | $0 | $1,620-100.0% | $5,564-100.0% | $1,899-100.0% |
| Participant deferral / active EE | $392 | $1,985-80.2% | $4,895-92.0% | $3,046-87.1% |
| Admin fee / account holder | $138 | $86+61.0% | $11,612-98.8% | $91+51.8% |