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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $700 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: NORTHEAST SECURITIES, INC. Service code 49 333 EARL OVINGTON BLVD SUITE 706 · MITCHELL FIELD, NY 11553 | 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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,414 | $70,667-69.7% | $123,105-82.6% | $52,331-59.1% |
| Participation rate | 31.6% | 83.7%-52.1pp | 86.8%-55.2pp | 68.1%-36.5pp |
| Annual return | 17.62% | 6.23%+11.4pp | 13.22%+4.4pp | 4.54%+13.1pp |
| Employer contribution / active EE | $0 | $2,946-100.0% | $5,151-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $3,104 | $4,493-30.9% | $6,229-50.2% | $3,022+2.7% |
| Admin fee / account holder | $11 | $506-97.8% | $9,014-99.9% | $592-98.2% |