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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,250 |
TD AMERITRADE, INC.2 years Service code 33 · EIN 82-0543156 | Distribution (12b-1) fees; Securities... | $45 |
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.
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).
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 | $50,304 | $71,192-29.3% | $117,861-57.3% | $62,293-19.2% |
| Participation rate | 56.1% | 74.2%-18.1pp | 79.7%-23.5pp | 69.5%-13.4pp |
| Annual return | 28.79% | 18.66%+10.1pp | 335.11%-306.3pp | 28.90%-0.1pp |
| Employer contribution / active EE | $1,439 | $1,934-25.6% | $3,786-62.0% | $2,042-29.5% |
| Participant deferral / active EE | $2,689 | $3,189-15.7% | $4,482-40.0% | $3,169-15.1% |
| Admin fee / account holder | $11 | $587-98.2% | $8,021-99.9% | $479-97.8% |