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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,375 |
TD AMERITRADE, INC.2 years Service code 33 · EIN 82-0543156 | Securities brokerage; Distribution (1... | $90 |
ADP BROKER-DEALER2 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY2 years Service code 49 702 KING FARM BLVD · ROCKVILLE, MD 20850 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $43,485 | $28,109+54.7% | $71,089-38.8% | $56,289-22.7% |
| Participation rate | 48.9% | 40.4%+8.5pp | 54.6%-5.8pp | 69.9%-21.0pp |
| Annual return | -7.08% | -615.05%+608.0pp | 650.65%-657.7pp | -9.96%+2.9pp |
| Employer contribution / active EE | $1,381 | $558+147.7% | $1,088+27.0% | $2,111-34.6% |
| Participant deferral / active EE | $3,593 | $1,116+222.1% | $1,873+91.9% | $3,350+7.3% |
| Admin fee / account holder | $16 | $585-97.2% | $3,082-99.5% | $521-96.9% |