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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1+ years Service code 15 · EIN 04-3046611 | Recordkeeping | $13,393 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,143 |
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 | $47,308 | $43,550+8.6% | $63,244-25.2% | $52,331-9.6% |
| Participation rate | 40.2% | 65.7%-25.5pp | 71.0%-30.9pp | 68.1%-28.0pp |
| Annual return | -2.05% | 2.03%-4.1pp | -70.31%+68.3pp | 4.54%-6.6pp |
| Employer contribution / active EE | $385 | $1,351-71.5% | $2,322-83.4% | $1,882-79.5% |
| Participant deferral / active EE | $2,706 | $2,254+20.1% | $2,953-8.4% | $3,022-10.5% |
| Admin fee / account holder | $259 | $387-33.1% | $5,893-95.6% | $592-56.2% |