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| Provider | Service type | Compensation |
|---|---|---|
DR ADVISORY SERVICES3+ years Service code 26 · EIN 20-5173405 | Advisory (Participants) | $13,259 |
BONADIO & CO., LLP1 year Filed as: THE BONADIO GROUP Service code 50 · EIN 16-1131146 | Direct Payment | $9,550 |
CHEMUNG CANAL TRUST COMPANY3+ years Service code 15 · EIN 16-0380815 | Recordkeeping | $8,279 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $15,787 | $33,067-52.3% | $76,518-79.4% | $56,287-72.0% |
| Participation rate | 45.8% | 55.4%-9.6pp | 68.0%-22.2pp | 69.9%-24.0pp |
| Annual return | -3.41% | 2.72%-6.1pp | -0.27%-3.1pp | -9.96%+6.6pp |
| Employer contribution / active EE | $961 | $1,200-19.9% | $2,647-63.7% | $2,111-54.5% |
| Participant deferral / active EE | $1,680 | $2,240-25.0% | $3,836-56.2% | $3,350-49.9% |
| Admin fee / account holder | $239 | $537-55.4% | $4,849-95.1% | $521-54.0% |