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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES & ASSOCIATES INC Service code 27 880 CARILLON PKWY · SAINT PETERSBURG, FL 33716 | Advisory (Plan) | $8,859 |
NATIONWIDE2 years Service code 64 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Recordkeeping Fees | $6,883 |
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.)
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 | $32,384 | $63,471-49.0% | $68,808-52.9% | $66,938-51.6% |
| Participation rate | 24.6% | 60.0%-35.4pp | 69.0%-44.4pp | 69.8%-45.2pp |
| Annual return | -16.06% | -8.29%-7.8pp | -6.37%-9.7pp | 1.58%-17.6pp |
| Employer contribution / active EE | $484 | $1,776-72.7% | $2,656-81.8% | $2,545-81.0% |
| Participant deferral / active EE | $1,477 | $2,946-49.9% | $3,942-62.5% | $4,238-65.2% |
| Admin fee / account holder | $309 | $578-46.6% | $4,936-93.7% | $594-48.0% |