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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,200 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY1+ years Service code 49 10960 WILSHIRE BLVD · LOS ANGELES, CA 90024 | 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.
Annual investment return 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 | $13,463 | $48,313-72.1% | $73,309-81.6% | $52,331-74.3% |
| Participation rate | 59.9% | 68.6%-8.6pp | 74.9%-15.0pp | 68.1%-8.2pp |
| Annual return | -2.04% | 3.85%-5.9pp | 5.67%-7.7pp | 4.54%-6.6pp |
| Employer contribution / active EE | $460 | $1,661-72.3% | $3,237-85.8% | $1,882-75.5% |
| Participant deferral / active EE | $3,155 | $4,189-24.7% | $4,991-36.8% | $3,022+4.4% |
| Admin fee / account holder | $7 | $404-98.3% | $5,635-99.9% | $592-98.8% |