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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY4+ years Service code 49 201 S BISCAYNE BLVD SUITE 2000 · MIAMI, FL 33131 | Other Services | $0 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $6,315 | $42,548-85.2% | $74,549-91.5% | $56,287-88.8% |
| Participation rate | 92.2% | 60.5%+31.8pp | 69.1%+23.1pp | 69.9%+22.4pp |
| Annual return | 19.44% | 12.40%+7.0pp | 32.53%-13.1pp | -9.96%+29.4pp |
| Employer contribution / active EE | $271 | $855-68.4% | $1,961-86.2% | $2,111-87.2% |
| Participant deferral / active EE | $1,690 | $2,277-25.8% | $3,108-45.6% | $3,350-49.6% |
| Admin fee / account holder | $0 | $467-100.0% | $5,059-100.0% | $521-100.0% |