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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.5 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $9,976 |
LPL FINANCIAL3 years Service code 26 · EIN 04-3046611 PO BOX 502533 · SAN DIEGO, CA 92150 | Advisory (Participants) | $6,983 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,454 | $88,203-70.0% | $165,100-84.0% | $74,478-64.5% |
| Participation rate | 60.6% | 73.1%-12.5pp | 78.6%-18.0pp | 67.2%-6.6pp |
| Annual return | 10.23% | 17.13%-6.9pp | 70.21%-60.0pp | 1370.56%-1360.3pp |
| Employer contribution / active EE | $1,187 | $2,601-54.3% | $4,348-72.7% | $2,626-54.8% |
| Participant deferral / active EE | $2,132 | $4,505-52.7% | $6,035-64.7% | $4,350-51.0% |
| Admin fee / account holder | $190 | $2,235-91.5% | $12,696-98.5% | $1,946-90.2% |