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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 | Advisory (Plan) | $14,472 |
PAYCHEX, INC.3 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $11,984 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $5,762 | $73,397-92.1% | $178,014-96.8% | $74,546-92.3% |
| Participation rate | 56.7% | 66.6%-9.9pp | 77.1%-20.4pp | 67.2%-10.5pp |
| Annual return | 10.96% | 17.49%-6.5pp | 294.80%-283.8pp | 1366.03%-1355.1pp |
| Employer contribution / active EE | $879 | $2,217-60.4% | $3,950-77.7% | $2,624-66.5% |
| Participant deferral / active EE | $1,860 | $4,512-58.8% | $6,276-70.4% | $4,347-57.2% |
| Admin fee / account holder | $54 | $1,809-97.0% | $10,362-99.5% | $1,944-97.2% |