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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,900 |
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 | $20,302 | $37,117-45.3% | $147,617-86.2% | $55,191-63.2% |
| Participation rate | 45.2% | 63.6%-18.4pp | 84.6%-39.4pp | 69.2%-23.9pp |
| Annual return | -1.94% | 3.44%-5.4pp | 61.98%-63.9pp | 10.78%-12.7pp |
| Employer contribution / active EE | $485 | $1,620-70.1% | $5,564-91.3% | $1,899-74.5% |
| Participant deferral / active EE | $1,623 | $1,985-18.3% | $4,895-66.8% | $3,046-46.7% |
| Admin fee / account holder | $34 | $86-60.7% | $11,612-99.7% | $91-62.9% |