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| Provider | Service type | Compensation |
|---|---|---|
Filed as: THOMAS BEAN/RAYMOND JAMES FINANCIAL Service code 17 · EIN 59-1531281 880 CARILLON PKWY · ST.PETERSBURG, FL 33716 | Pension Consulting | $4,282 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,950 | $52,293-52.3% | $178,498-86.0% | $73,412-66.0% |
| Participation rate | 58.1% | 65.3%-7.2pp | 81.9%-23.8pp | 72.2%-14.0pp |
| Annual return | 8.27% | 34.75%-26.5pp | 151.09%-142.8pp | 59.30%-51.0pp |
| Employer contribution / active EE | $630 | $1,735-63.7% | $5,011-87.4% | $2,234-71.8% |
| Participant deferral / active EE | $1,029 | $2,332-55.9% | $5,202-80.2% | $3,806-73.0% |
| Admin fee / account holder | $5 | $127-96.3% | $13,985-100.0% | $158-97.0% |