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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,800 |
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 |
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.
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 | $41,978 | $53,412-21.4% | $68,509-38.7% | $52,331-19.8% |
| Participation rate | 35.4% | 71.7%-36.3pp | 74.7%-39.4pp | 68.1%-32.7pp |
| Annual return | -0.69% | 3.42%-4.1pp | 8.27%-9.0pp | 4.54%-5.2pp |
| Employer contribution / active EE | $432 | $1,607-73.1% | $2,278-81.0% | $1,882-77.1% |
| Participant deferral / active EE | $1,097 | $2,688-59.2% | $3,382-67.6% | $3,022-63.7% |
| Admin fee / account holder | $23 | $461-95.1% | $5,275-99.6% | $592-96.1% |