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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,325 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY2+ years Service code 49 410 SEVERN AVENUE SUITE 211 · ANNAPOLIS, MD 21403 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $29,808 | $89,739-66.8% | $149,721-80.1% | $62,293-52.1% |
| Participation rate | 11.5% | 85.1%-73.6pp | 87.1%-75.5pp | 69.5%-58.0pp |
| Annual return | 18.08% | 21.01%-2.9pp | 1501.67%-1483.6pp | 28.90%-10.8pp |
| Employer contribution / active EE | $0 | $3,233-100.0% | $5,444-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,264 | $4,797-73.7% | $6,568-80.8% | $3,169-60.1% |
| Admin fee / account holder | $25 | $551-95.4% | $11,282-99.8% | $479-94.7% |