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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 93-1242462 | Recordkeeping | $7,198 |
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,975 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
STATE STREET GLOBAL ADVISORS1+ years Filed as: STATE STREET CORPORATION Service code 21 · EIN 04-1867445 | Bank Trustee | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,964 | $39,245-51.7% | $64,105-70.4% | $52,331-63.8% |
| Participation rate | 60.5% | 58.2%+2.3pp | 68.2%-7.6pp | 68.1%-7.6pp |
| Annual return | 24.63% | 14.79%+9.8pp | 791.24%-766.6pp | 4.54%+20.1pp |
| Employer contribution / active EE | $847 | $736+15.0% | $1,820-53.5% | $1,882-55.0% |
| Participant deferral / active EE | $2,169 | $1,992+8.9% | $2,822-23.1% | $3,022-28.2% |
| Admin fee / account holder | $77 | $592-87.0% | $4,499-98.3% | $592-87.0% |