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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Service code 49 201 E PINE STREET STE 1100 · ORLANDO, FL 32801 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY4+ 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.
Annual investment return 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 | $32,390 | $43,338-25.3% | $59,887-45.9% | $64,173-49.5% |
| Participation rate | 61.8% | 69.2%-7.4pp | 74.7%-12.9pp | 69.6%-7.8pp |
| Annual return | -7.70% | -1.55%-6.1pp | 3.46%-11.2pp | 7.63%-15.3pp |
| Employer contribution / active EE | $632 | $2,030-68.8% | $2,722-76.8% | $2,381-73.4% |
| Participant deferral / active EE | $2,609 | $2,547+2.4% | $3,402-23.3% | $3,470-24.8% |
| Admin fee / account holder | $0 | $3,007-100.0% | $3,591-100.0% | $4,887-100.0% |