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| Provider | Service type | Compensation |
|---|---|---|
GATEWAY ADVISORY, LLC1+ years Service code 15 · EIN 27-1678306 | Recordkeeping | $6,507 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $500 |
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.
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 | $34,554 | $57,108-39.5% | $94,229-63.3% | $52,331-34.0% |
| Participation rate | 45.2% | 72.9%-27.7pp | 78.8%-33.6pp | 68.1%-22.9pp |
| Annual return | -3.40% | 1.47%-4.9pp | 10.68%-14.1pp | 4.54%-7.9pp |
| Employer contribution / active EE | $0 | $1,735-100.0% | $3,587-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,631 | $3,040-13.4% | $4,320-39.1% | $3,022-12.9% |
| Admin fee / account holder | $83 | $546-84.7% | $6,269-98.7% | $592-85.9% |