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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 RETIREMENT PLAN SERVICES · BUFFALO, NY 142010600 | Recordkeeping | $524 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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).
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 | $17,019 | $31,109-45.3% | $67,711-74.9% | $52,331-67.5% |
| Participation rate | 39.5% | 54.0%-14.5pp | 67.5%-28.0pp | 68.1%-28.6pp |
| Annual return | -2.77% | 23.70%-26.5pp | 25.41%-28.2pp | 4.54%-7.3pp |
| Employer contribution / active EE | $0 | $1,076-100.0% | $2,559-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $955 | $1,970-51.5% | $3,585-73.4% | $3,022-68.4% |
| Admin fee / account holder | $161 | $466-65.5% | $4,255-96.2% | $592-72.8% |