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| Provider | Service type | Compensation |
|---|---|---|
ACTUARIAL BENEFITS CORP1+ years Filed as: ACTUARIAL CONSULTING SERVICES, INC. Service code 15 200 JOHN JAMES AUDUBON PKWY STE 100 · AMHERST, NY 14228 | Recordkeeping | $285 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,841 | $53,412-10.4% | $68,509-30.2% | $52,331-8.6% |
| Participation rate | 55.9% | 71.7%-15.8pp | 74.7%-18.8pp | 68.1%-12.2pp |
| Annual return | 0.23% | 3.42%-3.2pp | 8.27%-8.0pp | 4.54%-4.3pp |
| Employer contribution / active EE | $446 | $1,607-72.3% | $2,278-80.4% | $1,882-76.3% |
| Participant deferral / active EE | $2,272 | $2,688-15.5% | $3,382-32.8% | $3,022-24.8% |
| Admin fee / account holder | $327 | $461-29.1% | $5,275-93.8% | $592-44.8% |