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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC5 years Filed as: UBS FINANCIAL SERVICES, INC. Service code 15 · EIN 13-2638166 | Recordkeeping | $11,443 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $7,971 |
ADP BROKER-DEALER8 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,057 | $78,562-66.8% | $105,608-75.3% | $74,429-65.0% |
| Participation rate | 88.9% | 72.8%+16.1pp | 75.3%+13.6pp | 67.2%+21.7pp |
| Annual return | 14.75% | 15.94%-1.2pp | 116.50%-101.8pp | 1368.38%-1353.6pp |
| Employer contribution / active EE | $467 | $2,521-81.5% | $3,167-85.3% | $2,625-82.2% |
| Participant deferral / active EE | $4,403 | $4,321+1.9% | $5,010-12.1% | $4,348+1.3% |
| Admin fee / account holder | $92 | $2,217-95.8% | $11,028-99.2% | $1,944-95.3% |