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| Provider | Service type | Compensation |
|---|---|---|
STM ASSET MANAGEMENT5+ years Service code 26 · EIN 21-7945822 | Advisory (Participants) | $8,214 |
TCA BY E*TRADE2 years Service code 13 · EIN 84-6179736 | Contract Administrator | $5,918 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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).
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 | $30,276 | $58,851-48.6% | $115,170-73.7% | $72,975-58.5% |
| Participation rate | 55.7% | 65.5%-9.8pp | 75.9%-20.2pp | 69.5%-13.8pp |
| Annual return | 16.13% | 23.16%-7.0pp | 35.60%-19.5pp | 81.01%-64.9pp |
| Employer contribution / active EE | $249 | $1,798-86.1% | $3,179-92.2% | $2,440-89.8% |
| Participant deferral / active EE | $1,260 | $2,643-52.3% | $4,169-69.8% | $3,608-65.1% |
| Admin fee / account holder | $168 | $6,370-97.4% | $7,089-97.6% | $5,124-96.7% |