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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY3+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 15 · EIN 26-4310632 | Recordkeeping | $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 | $18,592 | $78,707-76.4% | $117,861-84.2% | $70,126-73.5% |
| Participation rate | 51.9% | 73.2%-21.3pp | 79.7%-27.8pp | 69.5%-17.7pp |
| Annual return | 16.06% | 23.30%-7.2pp | 335.11%-319.0pp | 73.15%-57.1pp |
| Employer contribution / active EE | $1,660 | $2,223-25.3% | $3,786-56.2% | $2,343-29.1% |
| Participant deferral / active EE | $2,724 | $3,297-17.4% | $4,482-39.2% | $3,332-18.2% |
| Admin fee / account holder | $0 | $5,066-100.0% | $8,021-100.0% | $4,645-100.0% |