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| Provider | Service type | Compensation |
|---|---|---|
PSF FINANCIAL SERVICES2 years Service code 99 · EIN 81-5371859 | Other Fees | $31,181 |
Service code 49 · EIN 11-3271022 401 BROADHOLLOW RD · MELVILLE, NY 11747 | Other Services | $15,227 |
MORNINGSTAR1 year Filed as: MORNING STAR Service code 27 | Advisory (Plan) | $1,379 |
Filed as: VOYA RETIREMENT INS & ANNUITY CO Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $137,947 | $59,834+130.5% | $79,576+73.4% | $68,495+101.4% |
| Participation rate | 30.9% | 61.1%-30.2pp | 69.5%-38.6pp | 67.9%-37.0pp |
| Annual return | -16.81% | -12.30%-4.5pp | 0.15%-17.0pp | -7.84%-9.0pp |
| Employer contribution / active EE | $1,429 | $1,505-5.0% | $2,413-40.8% | $2,596-45.0% |
| Participant deferral / active EE | $3,718 | $3,024+22.9% | $3,985-6.7% | $4,028-7.7% |
| Admin fee / account holder | $44 | $4,835-99.1% | $6,834-99.4% | $5,403-99.2% |