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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $5,820 |
ADP BROKER-DEALER2 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY2 years Service code 49 1999 HARRISON ST. · OAKLAND, CA 94612 | Other Services | $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 | $19,756 | $107,440-81.6% | $105,736-81.3% | $55,725-64.5% |
| Participation rate | 48.6% | 55.5%-6.9pp | 76.3%-27.7pp | 70.9%-22.3pp |
| Annual return | -7.16% | -0.59%-6.6pp | 6.27%-13.4pp | 244.93%-252.1pp |
| Employer contribution / active EE | $2,087 | $1,448+44.1% | $3,268-36.1% | $2,078+0.4% |
| Participant deferral / active EE | $2,077 | $2,171-4.3% | $4,080-49.1% | $3,356-38.1% |
| Admin fee / account holder | $28 | $283-90.0% | $6,913-99.6% | $115-75.5% |