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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $1,213 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Filed as: MORGAN STANLEY WEALTH MANAGEMENT Service code 49 1617 N WATERFRONT PARKWAY · WICHITA, KS 67206 | Other Services | $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.
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 | $417 | $27,632-98.5% | $61,452-99.3% | $68,486-99.4% |
| Participation rate | 59.7% | 39.5%+20.2pp | 52.6%+7.2pp | 67.9%-8.2pp |
| Annual return | -25.78% | -13.24%-12.5pp | 338.96%-364.7pp | -7.85%-17.9pp |
| Employer contribution / active EE | $101 | $696-85.4% | $1,160-91.3% | $2,597-96.1% |
| Participant deferral / active EE | $360 | $1,264-71.5% | $2,125-83.0% | $4,028-91.0% |
| Admin fee / account holder | $16 | $2,010-99.2% | $2,131-99.2% | $5,404-99.7% |