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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 60 · BUFFALO, NY 142010600 | Recordkeeping | $1,296 |
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 | $40,240 | $38,967+3.3% | $86,233-53.3% | $79,634-49.5% |
| Participation rate | 23.2% | 34.1%-10.8pp | 69.0%-45.8pp | 62.5%-39.3pp |
| Annual return | 17.79% | 49.90%-32.1pp | 61.39%-43.6pp | 36.46%-18.7pp |
| Employer contribution / active EE | $773 | $868-11.0% | $2,504-69.1% | $2,529-69.4% |
| Participant deferral / active EE | $1,229 | $1,663-26.1% | $4,559-73.0% | $3,835-67.9% |
| Admin fee / account holder | $415 | $2,660-84.4% | $8,342-95.0% | $1,002-58.6% |