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| Provider | Service type | Compensation |
|---|---|---|
VALMARK ADVISERS INC1 year Filed as: VALMARK SECURITIES INC Service code 26 366 US ROUTE ONE · FALMOUTH, ME 04105 | Advisory (Participants) | $8,962 |
PAYCHEX, INC.1 year Service code 15 · EIN 16-1124166 220 KENNETH DRIVE · ROCHESTER, NY 14623 | Recordkeeping | $8,483 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $28,458 | $57,103-50.2% | $87,502-67.5% | $57,658-50.6% |
| Participation rate | 31.9% | 64.3%-32.5pp | 73.8%-42.0pp | 70.2%-38.4pp |
| Annual return | 3.74% | 12.71%-9.0pp | 12.21%-8.5pp | 5.13%-1.4pp |
| Employer contribution / active EE | $110 | $1,107-90.1% | $2,550-95.7% | $1,974-94.5% |
| Participant deferral / active EE | $652 | $2,250-71.0% | $3,149-79.3% | $3,061-78.7% |
| Admin fee / account holder | $126 | $281-55.3% | $4,221-97.0% | $95+32.8% |