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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 | $64,010-63.1% | $108,359-78.2% | $64,340-63.2% |
| Participation rate | 95.4% | 49.4%+46.0pp | 70.1%+25.3pp | 55.2%+40.1pp |
| Annual return | 6.40% | 19.74%-13.3pp | 36.89%-30.5pp | 24.14%-17.7pp |
| Employer contribution / active EE | $723 | $1,029-29.8% | $2,399-69.9% | $1,862-61.2% |
| Participant deferral / active EE | $0 | $2,395-100.0% | $4,137-100.0% | $2,980-100.0% |
| Admin fee / account holder | $156 | $4,885-96.8% | $9,741-98.4% | $3,703-95.8% |