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| Provider | Service type | Compensation |
|---|---|---|
Filed as: BENEFIT PLANS ADMIN SERVICES, INC Service code 15 · EIN 16-1503696 6 RHOADS DRIVE · UTICA, NY 13502 | Recordkeeping | $2,084 |
UBS FINANCIAL SERVICES INC3+ years Filed as: UBS TRUST COMPANY OF PUERTO RICO Service code 21 · EIN 66-0532499 9TH FL AMERICAN INTERNATIONAL PLAZA · SAN JAUN, PR 00918 | Bank Trustee | $202 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,323 | $55,453-85.0% | $170,439-95.1% | $62,293-86.6% |
| Participation rate | 86.5% | 66.4%+20.1pp | 83.6%+2.9pp | 69.5%+17.0pp |
| Annual return | 14.13% | 21.38%-7.2pp | 205.94%-191.8pp | 28.90%-14.8pp |
| Employer contribution / active EE | $420 | $2,164-80.6% | $5,433-92.3% | $2,042-79.4% |
| Participant deferral / active EE | $477 | $2,303-79.3% | $4,939-90.4% | $3,169-85.0% |
| Admin fee / account holder | $16 | $455-96.6% | $13,881-99.9% | $479-96.7% |