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| Provider | Service type | Compensation |
|---|---|---|
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.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $7,376 | $41,854-82.4% | $73,845-90.0% | $52,331-85.9% |
| Participation rate | 52.7% | 66.2%-13.5pp | 73.4%-20.7pp | 68.1%-15.4pp |
| Annual return | -0.39% | 2.11%-2.5pp | 2267.91%-2268.3pp | 4.54%-4.9pp |
| Employer contribution / active EE | $4,099 | $1,920+113.5% | $2,788+47.1% | $1,882+117.8% |
| Participant deferral / active EE | $1,871 | $2,498-25.1% | $3,583-47.8% | $3,022-38.1% |
| Admin fee / account holder | $0 | $493-100.0% | $4,881-100.0% | $592-100.0% |