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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,409 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY2+ years Service code 49 8550 UNITED PLAZA BLVD STE 101 · BATON ROUGE, LA 70809 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $55,993 | $63,924-12.4% | $108,582-48.4% | $55,167+1.5% |
| Participation rate | 50.0% | 74.3%-24.3pp | 79.6%-29.6pp | 69.0%-19.0pp |
| Annual return | 7.98% | 15.31%-7.3pp | -51.70%+59.7pp | 169.23%-161.3pp |
| Employer contribution / active EE | $1,118 | $1,879-40.5% | $3,758-70.3% | $1,963-43.1% |
| Participant deferral / active EE | $2,429 | $3,067-20.8% | $4,311-43.7% | $3,054-20.5% |
| Admin fee / account holder | $24 | $618-96.2% | $7,645-99.7% | $504-95.3% |