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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $400 |
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 |
WELLS FARGO BANK, N.A.1+ years Filed as: WELLS FARGO ADVISORS (WACHOVIA SECU Service code 49 88 FROEHITCH FARM BLVD · WOODBURY, NY 11797 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $35,834 | $22,714+57.8% | $59,496-39.8% | $55,191-35.1% |
| Participation rate | 7.9% | 37.5%-29.6pp | 54.6%-46.7pp | 69.2%-61.3pp |
| Annual return | 7.42% | -44.01%+51.4pp | 182.05%-174.6pp | 10.78%-3.4pp |
| Employer contribution / active EE | $22 | $418-94.7% | $1,153-98.1% | $1,899-98.8% |
| Participant deferral / active EE | $314 | $843-62.8% | $1,829-82.8% | $3,046-89.7% |
| Admin fee / account holder | $9 | $83-89.1% | $2,232-99.6% | $91-90.0% |