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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $225 |
ADP BROKER-DEALER1+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY1+ years Service code 49 225 WEST SANTA CLARA ST · SAN JOSE, CA 95113 | 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.
Employer contribution per participant 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 | $43,190 | $54,320-20.5% | $67,652-36.2% | $52,331-17.5% |
| Participation rate | 24.8% | 73.6%-48.8pp | 75.7%-50.8pp | 68.1%-43.3pp |
| Annual return | -1.21% | 6.81%-8.0pp | 6625.40%-6626.6pp | 4.54%-5.8pp |
| Employer contribution / active EE | $152 | $1,544-90.2% | $2,266-93.3% | $1,882-91.9% |
| Participant deferral / active EE | $1,599 | $2,950-45.8% | $3,560-55.1% | $3,022-47.1% |
| Admin fee / account holder | $4 | $527-99.2% | $4,821-99.9% | $592-99.3% |