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| Provider | Service type | Compensation |
|---|---|---|
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $7,970 | $27,330-70.8% | $67,704-88.2% | $55,191-85.6% |
| Participation rate | 18.9% | 47.5%-28.6pp | 67.5%-48.6pp | 69.2%-50.2pp |
| Annual return | -0.06% | 8.81%-8.9pp | 25.41%-25.5pp | 10.78%-10.8pp |
| Employer contribution / active EE | $85 | $855-90.1% | $2,559-96.7% | $1,899-95.5% |
| Participant deferral / active EE | $663 | $1,709-61.2% | $3,585-81.5% | $3,046-78.2% |
| Admin fee / account holder | $0 | $109-100.0% | $4,255-100.0% | $91-100.0% |