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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 USA · BUFFALO, NY 142010600 | Recordkeeping | $196 |
Filed as: FIRST REPUBLIC Service code 26 · EIN 22-3623353 111 PINE STREET · SAN FRANCISCO, CA 94111 | 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.)
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).
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 | $23,061 | $30,086-23.3% | $61,399-62.4% | $64,814-64.4% |
| Participation rate | 17.6% | 36.4%-18.8pp | 52.6%-35.0pp | 71.5%-53.9pp |
| Annual return | -11.17% | -13.99%+2.8pp | 338.81%-350.0pp | 32.84%-44.0pp |
| Employer contribution / active EE | $287 | $536-46.5% | $1,159-75.2% | $2,507-88.6% |
| Participant deferral / active EE | $792 | $1,126-29.7% | $2,124-62.7% | $4,310-81.6% |
| Admin fee / account holder | $419 | $148+182.6% | $2,131-80.4% | $188+122.9% |