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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $3,525 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 15 · EIN 26-4310632 | Recordkeeping | $0 |
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).
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 | $28,003 | $36,916-24.1% | $156,551-82.1% | $57,658-51.4% |
| Participation rate | 36.0% | 63.4%-27.4pp | 84.0%-48.0pp | 70.2%-34.2pp |
| Annual return | 7.15% | 12.38%-5.2pp | 32.23%-25.1pp | 5.13%+2.0pp |
| Employer contribution / active EE | $179 | $1,571-88.6% | $5,501-96.7% | $1,974-90.9% |
| Participant deferral / active EE | $1,112 | $1,926-42.2% | $4,871-77.2% | $3,061-63.7% |
| Admin fee / account holder | $21 | $82-74.7% | $13,028-99.8% | $95-77.9% |