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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,850 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
RAYMOND JAMES FINANCIAL SERVICES1+ years Filed as: RAYMOND JAMES ASSOCIATES / RAYMOND Service code 49 2255 GLADES RD STE 120-A · BOCA RATON, FL 33431 | 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.
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 | $15,173 | $48,313-68.6% | $73,309-79.3% | $52,331-71.0% |
| Participation rate | 65.2% | 68.6%-3.4pp | 74.9%-9.7pp | 68.1%-2.9pp |
| Annual return | 4.03% | 3.85%+0.2pp | 5.67%-1.6pp | 4.54%-0.5pp |
| Employer contribution / active EE | $631 | $1,661-62.0% | $3,237-80.5% | $1,882-66.5% |
| Participant deferral / active EE | $3,573 | $4,189-14.7% | $4,991-28.4% | $3,022+18.2% |
| Admin fee / account holder | $9 | $404-97.9% | $5,635-99.8% | $592-98.6% |