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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 USA · BUFFALO, NY 142010600 | Recordkeeping | $1,334 |
Filed as: FIRST REPUBLIC Service code 26 · EIN 22-3623353 111 PINE STREET · SAN FRANCISCO, CA 94111 | Advisory (Participants) | $0 |
Filed as: J P. MORGAN SECURITIES LLC Service code 26 · EIN 13-4110995 383 MADISON AVENU · NEW YORK, NY 10179 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $35,588 | $29,569+20.4% | $56,077-36.5% | $77,714-54.2% |
| Participation rate | 15.0% | 32.6%-17.6pp | 52.5%-37.5pp | 70.6%-55.5pp |
| Annual return | 10.70% | 18.90%-8.2pp | 1709.28%-1698.6pp | 31.26%-20.6pp |
| Employer contribution / active EE | $363 | $569-36.1% | $1,040-65.1% | $2,727-86.7% |
| Participant deferral / active EE | $931 | $1,061-12.3% | $1,954-52.4% | $4,649-80.0% |
| Admin fee / account holder | $591 | $1,042-43.3% | $2,825-79.1% | $433+36.5% |