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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $650 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY1+ years Service code 49 11 N WATER STREET SUITE 16290 · MOBILE, AL 36602 | 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 | $19,252 | $46,745-58.8% | $60,547-68.2% | $52,331-63.2% |
| Participation rate | 10.5% | 58.6%-48.1pp | 68.0%-57.5pp | 68.1%-57.6pp |
| Annual return | -1.43% | 0.61%-2.0pp | 335.64%-337.1pp | 4.54%-6.0pp |
| Employer contribution / active EE | $0 | $1,259-100.0% | $2,419-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $514 | $2,145-76.0% | $3,328-84.6% | $3,022-83.0% |
| Admin fee / account holder | $26 | $537-95.2% | $4,536-99.4% | $592-95.6% |