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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,330 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
CAPFINANCIAL PARTNERS LLC1+ years Filed as: CAPFINANCIAL SECURITIES, LLC (CAPTR Service code 49 4208 SIX FORKS ROAD · RALEIGH, NC 27609 | Other Services | $0 |
STATE STREET GLOBAL ADVISORS1+ years Filed as: STATE STREET CORPORATION Service code 21 · EIN 04-1867445 | Bank Trustee | $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.
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.
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 | $40,842 | $89,553-54.4% | $81,367-49.8% | $52,331-22.0% |
| Participation rate | 64.7% | 82.2%-17.5pp | 82.3%-17.6pp | 68.1%-3.4pp |
| Annual return | -1.56% | 4.41%-6.0pp | -0.92%-0.6pp | 4.54%-6.1pp |
| Employer contribution / active EE | $642 | $3,780-83.0% | $3,930-83.7% | $1,882-65.9% |
| Participant deferral / active EE | $2,562 | $5,359-52.2% | $5,383-52.4% | $3,022-15.2% |
| Admin fee / account holder | $33 | $1,914-98.3% | $8,926-99.6% | $592-94.5% |