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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.4 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $36,700 |
BRIGHTON SECURITIES CORP.5 years Service code 26 1703 MONROE AVENUE · ROCHESTER, NY 14618 | Advisory (Participants) | $30,981 |
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.
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 | $23,346 | $29,569-21.0% | $56,077-58.4% | $77,714-70.0% |
| Participation rate | 55.9% | 32.6%+23.3pp | 52.5%+3.4pp | 70.6%-14.6pp |
| Annual return | 14.13% | 18.90%-4.8pp | 1709.28%-1695.1pp | 31.26%-17.1pp |
| Employer contribution / active EE | $0 | $569-100.0% | $1,040-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $2,390 | $1,061+125.3% | $1,954+22.3% | $4,649-48.6% |
| Admin fee / account holder | $160 | $1,042-84.7% | $2,825-94.3% | $433-63.1% |