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| Provider | Service type | Compensation |
|---|---|---|
Service code 99 · EIN 66-0561870 | Other Fees | $0 |
BANK OF NOVA SCOTIA HALIFAX COM S1 year 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 | $64,501-63.3% | $108,753-78.3% | $65,306-63.8% |
| Participation rate | 95.4% | 50.8%+44.6pp | 71.1%+24.3pp | 57.7%+37.7pp |
| Annual return | 6.40% | 21.09%-14.7pp | 37.47%-31.1pp | 21.94%-15.5pp |
| Employer contribution / active EE | $723 | $1,069-32.4% | $2,427-70.2% | $1,967-63.3% |
| Participant deferral / active EE | $0 | $2,401-100.0% | $4,115-100.0% | $2,959-100.0% |
| Admin fee / account holder | $156 | $4,971-96.9% | $10,320-98.5% | $3,480-95.5% |