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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $650 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY2+ years Service code 49 225 WEST SANTA CLARA ST · SAN JOSE, CA 95113 | Other Services | $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 | $49,046 | $60,165-18.5% | $74,184-33.9% | $55,167-11.1% |
| Participation rate | 27.7% | 74.2%-46.4pp | 76.6%-48.9pp | 69.0%-41.3pp |
| Annual return | 6.18% | 10.00%-3.8pp | 17.74%-11.6pp | 169.23%-163.0pp |
| Employer contribution / active EE | $176 | $1,600-89.0% | $2,370-92.6% | $1,963-91.1% |
| Participant deferral / active EE | $1,829 | $2,973-38.5% | $3,550-48.5% | $3,054-40.1% |
| Admin fee / account holder | $12 | $419-97.1% | $5,586-99.8% | $504-97.6% |