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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $4,406 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY1+ 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.
Annual investment return 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 | $17,506 | $45,283-61.3% | $155,789-88.8% | $52,331-66.5% |
| Participation rate | 48.6% | 62.2%-13.6pp | 76.1%-27.5pp | 68.1%-19.5pp |
| Annual return | -3.92% | 1.80%-5.7pp | 71.54%-75.5pp | 4.54%-8.5pp |
| Employer contribution / active EE | $619 | $1,329-53.4% | $3,839-83.9% | $1,882-67.1% |
| Participant deferral / active EE | $1,810 | $2,854-36.6% | $4,798-62.3% | $3,022-40.1% |
| Admin fee / account holder | $37 | $981-96.2% | $7,477-99.5% | $592-93.7% |