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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $925 |
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY3+ 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 | $60,770 | $67,602-10.1% | $82,312-26.2% | $70,126-13.3% |
| Participation rate | 32.6% | 72.8%-40.2pp | 76.9%-44.3pp | 69.5%-37.0pp |
| Annual return | 14.60% | 21.57%-7.0pp | 25.88%-11.3pp | 73.15%-58.5pp |
| Employer contribution / active EE | $210 | $1,755-88.0% | $2,428-91.3% | $2,343-91.0% |
| Participant deferral / active EE | $2,464 | $2,987-17.5% | $3,706-33.5% | $3,332-26.1% |
| Admin fee / account holder | $18 | $4,512-99.6% | $5,608-99.7% | $4,645-99.6% |