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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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $21,114 | $44,229-52.3% | $155,789-86.4% | $55,191-61.7% |
| Participation rate | 7.9% | 60.8%-52.9pp | 76.1%-68.2pp | 69.2%-61.2pp |
| Annual return | 4.42% | 0.37%+4.0pp | 71.54%-67.1pp | 10.78%-6.4pp |
| Employer contribution / active EE | $0 | $1,317-100.0% | $3,839-100.0% | $1,899-100.0% |
| Participant deferral / active EE | $482 | $2,851-83.1% | $4,798-89.9% | $3,046-84.2% |
| Admin fee / account holder | $0 | $86-100.0% | $7,477-100.0% | $91-100.0% |