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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,250 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 15 · EIN 26-4310632 | Recordkeeping | $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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $7,450 | $22,291-66.6% | $69,182-89.2% | $63,975-88.4% |
| Participation rate | 18.9% | 35.3%-16.4pp | 55.1%-36.2pp | 71.1%-52.3pp |
| Annual return | 11.03% | 9.30%+1.7pp | -21.93%+33.0pp | 48.65%-37.6pp |
| Employer contribution / active EE | $188 | $325-42.2% | $1,206-84.4% | $2,182-91.4% |
| Participant deferral / active EE | $539 | $808-33.3% | $1,897-71.6% | $3,356-83.9% |
| Admin fee / account holder | $8 | $73-89.6% | $2,697-99.7% | $70-89.2% |