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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $83,482 |
ADP BROKER-DEALER6+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY WEALTH MANAGEMENT Service code 49 1617 N WATERFRONT PARKWAY · WICHITA, KS 67206 | Other Services | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $2,666 | $31,741-91.6% | $56,033-95.2% | $199,960-98.7% |
| Participation rate | 71.1% | 32.3%+38.8pp | 52.5%+18.6pp | 72.0%-0.9pp |
| Annual return | 8.00% | 14.72%-6.7pp | 1711.38%-1703.4pp | 34.28%-26.3pp |
| Employer contribution / active EE | $146 | $508-71.3% | $1,041-86.0% | $3,036-95.2% |
| Participant deferral / active EE | $884 | $1,184-25.3% | $1,954-54.8% | $5,087-82.6% |
| Admin fee / account holder | $54 | $426-87.3% | $2,827-98.1% | $269-79.9% |