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| Provider | Service type | Compensation |
|---|---|---|
RAYMOND JAMES FINANCIAL SERVICES10+ years Service code 33 · EIN 59-2937883 880 CARILLON PARKWAY · ST PETERSBURG, FL 33716 | Participant communication; Securities... | $17,917 |
NATIONWIDE10+ years Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Recordkeeping | $14,936 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,122 | $50,919-70.3% | $155,556-90.3% | $77,762-80.6% |
| Participation rate | 40.5% | 63.1%-22.6pp | 78.2%-37.8pp | 70.6%-30.1pp |
| Annual return | 12.49% | 34.84%-22.3pp | 64.84%-52.3pp | 31.27%-18.8pp |
| Employer contribution / active EE | $168 | $1,991-91.6% | $4,675-96.4% | $2,728-93.9% |
| Participant deferral / active EE | $1,179 | $2,824-58.3% | $5,631-79.1% | $4,651-74.6% |
| Admin fee / account holder | $69 | $437-84.3% | $15,885-99.6% | $433-84.1% |