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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
NEW ENGLAND SECURITIES4+ years Filed as: NEW ENGLAND SECURITIES CORPORATION Service code 49 500 N CAPITAL OF TX HWY BLDG 3 · AUSTIN, TX 78746 | Other Services | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
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).
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 | $2,400 | $35,485-93.2% | $74,551-96.8% | $55,725-95.7% |
| Participation rate | 83.4% | 62.5%+20.9pp | 69.1%+14.2pp | 70.9%+12.5pp |
| Annual return | -11.71% | 0.72%-12.4pp | 32.53%-44.2pp | 244.93%-256.6pp |
| Employer contribution / active EE | $0 | $777-100.0% | $1,961-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $1,053 | $2,181-51.7% | $3,108-66.1% | $3,356-68.6% |
| Admin fee / account holder | $0 | $114-100.0% | $5,059-100.0% | $115-100.0% |