Filed November 28, 2022
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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,513 |
Filed as: FIDELITY INVESTMENTS Service code 60 | Sub-TA Fees | $0 |
UBS FINANCIAL SERVICES INC1+ years Filed as: UBS FINANCIAL SERVICES Service code 61 | Finders' fees / placement fees | $0 |
UBS FINANCIAL SERVICES INC1+ years Service code 61 · EIN 13-2638166 | Finders' fees / placement fees | $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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return 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.
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 | $20,816 | $57,921-64.1% | $84,753-75.4% | $57,658-63.9% |
| Participation rate | 32.0% | 72.9%-41.0pp | 76.6%-44.6pp | 70.2%-38.3pp |
| Annual return | 2.98% | 10.24%-7.3pp | 22.78%-19.8pp | 5.13%-2.2pp |
| Employer contribution / active EE | $160 | $2,598-93.8% | $3,574-95.5% | $1,974-91.9% |
| Participant deferral / active EE | $814 | $2,742-70.3% | $3,712-78.1% | $3,061-73.4% |
| Admin fee / account holder | $11 | $130-91.9% | $5,333-99.8% | $95-88.9% |