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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 47-1411118 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Recordkeeping | $16,446 |
PAYCHEX, INC.2 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $14,691 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $69,836 | $44,714+56.2% | $91,227-23.4% | $66,949+4.3% |
| Participation rate | 47.7% | 65.0%-17.3pp | 73.2%-25.5pp | 69.8%-22.1pp |
| Annual return | -19.24% | -12.25%-7.0pp | 114.14%-133.4pp | 1.57%-20.8pp |
| Employer contribution / active EE | $0 | $1,710-100.0% | $2,851-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $3,969 | $3,355+18.3% | $4,234-6.3% | $4,239-6.4% |
| Admin fee / account holder | $340 | $521-34.8% | $5,423-93.7% | $594-42.8% |