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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $730 |
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 |
UBS FINANCIAL SERVICES INC1+ years Filed as: UBS Service code 49 7950 SUMMERLIN DRIVE · FORT MYERS, FL 33907 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $65,054 | $39,245+65.8% | $64,105+1.5% | $52,331+24.3% |
| Participation rate | 40.8% | 58.2%-17.5pp | 68.2%-27.4pp | 68.1%-27.3pp |
| Annual return | -2.19% | 14.79%-17.0pp | 791.24%-793.4pp | 4.54%-6.7pp |
| Employer contribution / active EE | $0 | $736-100.0% | $1,820-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,334 | $1,992+17.2% | $2,822-17.3% | $3,022-22.8% |
| Admin fee / account holder | $14 | $592-97.6% | $4,499-99.7% | $592-97.6% |