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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $19,654 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $4,525 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY1+ years Service code 49 1300 FRANKLIN AVE · GARDEN CITY, NY 11530 | 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.
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 | $13,208 | $37,039-64.3% | $147,617-91.1% | $59,188-77.7% |
| Participation rate | 24.1% | 63.8%-39.7pp | 84.6%-60.5pp | 69.4%-45.3pp |
| Annual return | 0.31% | 7.19%-6.9pp | 61.98%-61.7pp | 5.51%-5.2pp |
| Employer contribution / active EE | $78 | $1,353-94.2% | $5,564-98.6% | $2,098-96.3% |
| Participant deferral / active EE | $668 | $2,094-68.1% | $4,895-86.3% | $3,265-79.5% |
| Admin fee / account holder | $12 | $60-80.4% | $11,612-99.9% | $92-87.2% |