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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $650 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY2+ years Service code 49 11 N WATER STREET SUITE 16290 · MOBILE, AL 36602 | Other Services | $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 | $21,327 | $44,425-52.0% | $67,834-68.6% | $55,167-61.3% |
| Participation rate | 10.5% | 59.7%-49.2pp | 68.8%-58.3pp | 69.0%-58.5pp |
| Annual return | 8.99% | 17.80%-8.8pp | 138.47%-129.5pp | 169.23%-160.2pp |
| Employer contribution / active EE | $0 | $1,351-100.0% | $2,403-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $430 | $2,166-80.1% | $3,160-86.4% | $3,054-85.9% |
| Admin fee / account holder | $26 | $530-95.1% | $4,622-99.4% | $504-94.8% |