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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 | $40,566-0.8% | $96,754-58.4% | $64,728-37.8% |
| Participation rate | 23.2% | 24.8%-1.6pp | 70.3%-47.1pp | 57.9%-34.7pp |
| Annual return | 17.79% | 93.20%-75.4pp | 82.04%-64.3pp | 49.38%-31.6pp |
| Employer contribution / active EE | $773 | $808-4.3% | $2,679-71.2% | $2,243-65.5% |
| Participant deferral / active EE | $1,229 | $933+31.8% | $4,758-74.2% | $2,729-55.0% |
| Admin fee / account holder | $415 | $2,770-85.0% | $8,905-95.3% | $1,145-63.8% |