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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 84-0467907 | Recordkeeping | $18,343 |
Filed as: RAYMOND JAMES & ASSOCIATES Service code 27 · EIN 59-1237041 | Advisory (Plan) | $11,600 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,664 | $62,592-54.2% | $85,709-66.6% | $85,847-66.6% |
| Participation rate | 67.7% | 61.1%+6.6pp | 69.9%-2.2pp | 69.3%-1.6pp |
| Annual return | 10.76% | 23.77%-13.0pp | 21.49%-10.7pp | 318.61%-307.8pp |
| Employer contribution / active EE | $778 | $1,755-55.7% | $2,619-70.3% | $2,565-69.7% |
| Participant deferral / active EE | $1,679 | $2,802-40.1% | $3,924-57.2% | $3,952-57.5% |
| Admin fee / account holder | $438 | $4,643-90.6% | $6,876-93.6% | $6,261-93.0% |