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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,038 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
RAYMOND JAMES FINANCIAL SERVICES1+ years Filed as: RAYMOND JAMES ASSOCIATES / RAYMOND Service code 49 151 MEETING STEET · CHARLESTON, SC 29401 | 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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $25,419 | $37,134-31.5% | $100,671-74.8% | $52,331-51.4% |
| Participation rate | 57.5% | 57.7%-0.1pp | 70.7%-13.2pp | 68.1%-10.6pp |
| Annual return | -2.17% | 0.10%-2.3pp | 20.43%-22.6pp | 4.54%-6.7pp |
| Employer contribution / active EE | $1,182 | $1,187-0.4% | $4,012-70.5% | $1,882-37.2% |
| Participant deferral / active EE | $1,404 | $2,163-35.1% | $3,144-55.3% | $3,022-53.5% |
| Admin fee / account holder | $12 | $467-97.4% | $4,850-99.8% | $592-98.0% |