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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $12,343 |
SECURITIES AMERICA INC3 years Filed as: M&T SECURITIES Service code 27 · EIN 16-1263079 | Advisory (Plan) | $11,146 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $30,139 | $29,369+2.6% | $77,552-61.1% | $73,412-58.9% |
| Participation rate | 25.6% | 37.9%-12.4pp | 54.2%-28.6pp | 72.2%-46.6pp |
| Annual return | 17.32% | 358.15%-340.8pp | 54.82%-37.5pp | 59.30%-42.0pp |
| Employer contribution / active EE | $427 | $406+5.2% | $987-56.7% | $2,234-80.9% |
| Participant deferral / active EE | $814 | $941-13.5% | $1,861-56.3% | $3,806-78.6% |
| Admin fee / account holder | $245 | $123+100.0% | $2,859-91.4% | $158+55.5% |