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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $725 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
STATE STREET GLOBAL ADVISORS1+ years Filed as: STATE STREET CORPORATION Service code 21 · EIN 04-1867445 | Bank Trustee | $0 |
WELLS FARGO BANK, N.A.1+ years Filed as: WELLS FARGO ADVISORS (WACHOVIA SECU Service code 49 58 MOUNT BETHEL ROAD · WARREN, NJ 07059 | Other Services | $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 | $46,020 | $55,182-16.6% | $73,309-37.2% | $55,191-16.6% |
| Participation rate | 20.4% | 73.9%-53.6pp | 74.9%-54.6pp | 69.2%-48.8pp |
| Annual return | 2.19% | 8.55%-6.4pp | 5.67%-3.5pp | 10.78%-8.6pp |
| Employer contribution / active EE | $221 | $1,935-88.6% | $3,237-93.2% | $1,899-88.4% |
| Participant deferral / active EE | $2,503 | $4,641-46.1% | $4,991-49.8% | $3,046-17.8% |
| Admin fee / account holder | $7 | $68-89.9% | $5,635-99.9% | $91-92.4% |