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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
ASHTON YOUNG INC1+ years Filed as: ASHTON YOUNG FINANCIAL Service code 49 2600 S TELEGRAPH RD · BLOOMFIELD HILLS, MI 483020972 | 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 | $13,735 | $37,117-63.0% | $147,617-90.7% | $55,191-75.1% |
| Participation rate | 64.4% | 63.6%+0.8pp | 84.6%-20.3pp | 69.2%-4.8pp |
| Annual return | -3.19% | 3.44%-6.6pp | 61.98%-65.2pp | 10.78%-14.0pp |
| Employer contribution / active EE | $783 | $1,620-51.7% | $5,565-85.9% | $1,899-58.8% |
| Participant deferral / active EE | $2,296 | $1,985+15.6% | $4,895-53.1% | $3,046-24.6% |
| Admin fee / account holder | $0 | $86-100.0% | $11,611-100.0% | $91-100.0% |