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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,665 |
ADP BROKER-DEALER3+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
MORGAN STANLEY SMITH BARNEY3+ years Service code 49 24300 TOWN CENTER DR STE 200 · VALENCIA, CA 91355 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,426 | $46,297-21.3% | $71,671-49.2% | $62,293-41.5% |
| Participation rate | 35.8% | 60.6%-24.8pp | 68.7%-33.0pp | 69.5%-33.7pp |
| Annual return | 18.09% | 22.32%-4.2pp | 20.65%-2.6pp | 28.90%-10.8pp |
| Employer contribution / active EE | $0 | $1,412-100.0% | $2,460-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,442 | $2,235+9.3% | $3,438-29.0% | $3,169-22.9% |
| Admin fee / account holder | $20 | $461-95.6% | $5,558-99.6% | $479-95.8% |