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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 60 · BUFFALO, NY 142010600 | Recordkeeping | $954 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,290 | $45,109-30.6% | $85,240-63.3% | $77,762-59.8% |
| Participation rate | 21.7% | 48.7%-26.9pp | 67.5%-45.8pp | 70.6%-48.8pp |
| Annual return | 13.71% | 79.55%-65.8pp | 66.75%-53.0pp | 31.27%-17.6pp |
| Employer contribution / active EE | $665 | $1,602-58.5% | $2,735-75.7% | $2,728-75.6% |
| Participant deferral / active EE | $1,085 | $2,814-61.4% | $4,527-76.0% | $4,651-76.7% |
| Admin fee / account holder | $332 | $915-63.8% | $6,165-94.6% | $433-23.4% |