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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,725 |
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.
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 | $8,925 | $33,914-73.7% | $63,412-85.9% | $52,331-82.9% |
| Participation rate | 16.8% | 59.6%-42.8pp | 67.1%-50.3pp | 68.1%-51.3pp |
| Annual return | -6.24% | 3.22%-9.5pp | 4.04%-10.3pp | 4.54%-10.8pp |
| Employer contribution / active EE | $245 | $1,121-78.1% | $1,814-86.5% | $1,882-87.0% |
| Participant deferral / active EE | $818 | $1,733-52.8% | $2,496-67.2% | $3,022-72.9% |
| Admin fee / account holder | $42 | $353-88.1% | $3,753-98.9% | $592-92.9% |