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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $374 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 15 · EIN 26-4310632 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $28,665 | $52,467-45.4% | $57,196-49.9% | $55,167-48.0% |
| Participation rate | 50.9% | 75.8%-25.0pp | 75.3%-24.5pp | 69.0%-18.1pp |
| Annual return | 8.78% | 7.72%+1.1pp | 14.59%-5.8pp | 169.23%-160.4pp |
| Employer contribution / active EE | $456 | $2,477-81.6% | $2,683-83.0% | $1,963-76.8% |
| Participant deferral / active EE | $1,583 | $2,830-44.0% | $3,096-48.9% | $3,054-48.2% |
| Admin fee / account holder | $5 | $269-98.2% | $3,141-99.8% | $504-99.0% |