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| Provider | Service type | Compensation |
|---|---|---|
REBY ADVISORS2 years Service code 27 44 OLD RIDGEBURY RD #150 · DANBURY, CT 06810 | Advisory (Plan) | $16,751 |
Service code 15 500 CORPORATE PKWY STE 108 · AMHERST, NY 14226 | Recordkeeping | $12,654 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $69,715 | $55,636+25.3% | $81,988-15.0% | $73,493-5.1% |
| Participation rate | 33.5% | 62.3%-28.7pp | 69.3%-35.7pp | 70.7%-37.1pp |
| Annual return | 17.40% | 19.07%-1.7pp | 41.31%-23.9pp | 28.51%-11.1pp |
| Employer contribution / active EE | $763 | $1,625-53.1% | $2,498-69.5% | $2,270-66.4% |
| Participant deferral / active EE | $2,216 | $2,762-19.8% | $3,722-40.5% | $3,740-40.8% |
| Admin fee / account holder | $508 | $493+3.1% | $5,665-91.0% | $513-1.0% |