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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
MORGAN STANLEY SMITH BARNEY1+ years Service code 49 4800 SW MEADOWS RD STE 400 · LAKE OSWEGO, OR 97035 | 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.
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 | $79,621 | $26,805+197.0% | $59,496+33.8% | $52,331+52.2% |
| Participation rate | 15.9% | 39.3%-23.4pp | 54.6%-38.7pp | 68.1%-52.2pp |
| Annual return | -3.16% | 2.61%-5.8pp | 182.05%-185.2pp | 4.54%-7.7pp |
| Employer contribution / active EE | $276 | $450-38.6% | $1,153-76.0% | $1,882-85.3% |
| Participant deferral / active EE | $956 | $916+4.3% | $1,829-47.8% | $3,022-68.4% |
| Admin fee / account holder | $0 | $305-100.0% | $2,232-100.0% | $592-100.0% |