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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,230 |
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY3+ years Service code 49 10960 WILSHIRE BLVD · LOS ANGELES, CA 90024 | Other Services | $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).
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 | $19,854 | $65,592-69.7% | $90,161-78.0% | $69,631-71.5% |
| Participation rate | 59.4% | 77.6%-18.2pp | 76.9%-17.5pp | 70.7%-11.3pp |
| Annual return | 24.10% | 57.10%-33.0pp | 34.89%-10.8pp | 27571.02%-27546.9pp |
| Employer contribution / active EE | $490 | $2,193-77.7% | $3,318-85.2% | $2,032-75.9% |
| Participant deferral / active EE | $3,340 | $5,257-36.5% | $5,287-36.8% | $3,224+3.6% |
| Admin fee / account holder | $9 | $86-89.1% | $5,943-99.8% | $110-91.6% |