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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.1+ years Service code 15 · EIN 16-1124166 | Recordkeeping | $4,464 |
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.
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.
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 | $13,709 | $88,324-84.5% | $115,038-88.1% | $55,191-75.2% |
| Participation rate | 39.8% | 72.5%-32.7pp | 81.4%-41.6pp | 69.2%-29.4pp |
| Annual return | 10.64% | 6.30%+4.3pp | 26.14%-15.5pp | 10.78%-0.1pp |
| Employer contribution / active EE | $238 | $2,805-91.5% | $4,608-94.8% | $1,899-87.5% |
| Participant deferral / active EE | $2,107 | $5,042-58.2% | $6,026-65.0% | $3,046-30.8% |
| Admin fee / account holder | $36 | $105-66.0% | $8,175-99.6% | $91-60.6% |