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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $5,752 |
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 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
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 | $23,204 | $37,117-37.5% | $147,617-84.3% | $55,191-58.0% |
| Participation rate | 22.5% | 63.6%-41.2pp | 84.6%-62.2pp | 69.2%-46.7pp |
| Annual return | -2.90% | 3.44%-6.3pp | 61.98%-64.9pp | 10.78%-13.7pp |
| Employer contribution / active EE | $247 | $1,620-84.8% | $5,564-95.6% | $1,899-87.0% |
| Participant deferral / active EE | $931 | $1,985-53.1% | $4,895-81.0% | $3,046-69.4% |
| Admin fee / account holder | $28 | $86-66.9% | $11,612-99.8% | $91-68.8% |