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| Provider | Service type | Compensation |
|---|---|---|
Service code 28 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Investment Management | $35,698 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $44,997 | $57,108-21.2% | $94,228-52.2% | $52,331-14.0% |
| Participation rate | 59.4% | 72.9%-13.5pp | 78.8%-19.4pp | 68.1%-8.7pp |
| Annual return | -1.79% | 1.47%-3.3pp | 10.68%-12.5pp | 4.54%-6.3pp |
| Employer contribution / active EE | $1,313 | $1,735-24.3% | $3,587-63.4% | $1,882-30.2% |
| Participant deferral / active EE | $3,367 | $3,040+10.8% | $4,320-22.1% | $3,022+11.4% |
| Admin fee / account holder | $401 | $546-26.6% | $6,269-93.6% | $592-32.2% |