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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $725 |
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 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $4,976 | $52,519-90.5% | $155,789-96.8% | $59,633-91.7% |
| Participation rate | 95.5% | 61.7%+33.8pp | 76.1%+19.4pp | 68.7%+26.9pp |
| Annual return | -1.71% | 53.51%-55.2pp | 71.54%-73.2pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $394 | $1,589-75.2% | $3,839-89.7% | $2,203-82.1% |
| Participant deferral / active EE | $453 | $3,084-85.3% | $4,798-90.6% | $3,192-85.8% |
| Admin fee / account holder | $6 | $3,540-99.8% | $7,477-99.9% | $4,297-99.9% |