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| Provider | Service type | Compensation |
|---|---|---|
Service code 99 · EIN 66-0561870 | Other Fees | $0 |
SCOTIA TRUST1 year Filed as: BANK OF NOVA SCOTIA HALIFAX COM S Service code 99 · EIN 13-4941099 | Other Fees | $0 |
INSIGNEO SECURITIES LLC1 year Service code 19 1221 BRICKELL AVENUE PH FLOOR · MIAMI, FL 33131 | Securities Custodian | $0 |
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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,648 | $65,246-63.8% | $98,716-76.0% | $67,986-65.2% |
| Participation rate | 95.4% | 51.4%+43.9pp | 69.3%+26.1pp | 57.2%+38.2pp |
| Annual return | 6.40% | 20.58%-14.2pp | 31.81%-25.4pp | 31.67%-25.3pp |
| Employer contribution / active EE | $723 | $1,042-30.7% | $2,279-68.3% | $2,019-64.2% |
| Participant deferral / active EE | $0 | $2,594-100.0% | $4,048-100.0% | $3,358-100.0% |
| Admin fee / account holder | $156 | $4,561-96.6% | $8,703-98.2% | $3,203-95.1% |