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| Provider | Service type | Compensation |
|---|---|---|
Filed as: INTEGRITY FINANCIAL CORP Service code 15 2620 BELLEVUE WAY NE · BELLEVUE, WA 98004 | Recordkeeping | $21,912 |
PAYCHEX, INC.1 year Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $5,763 |
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.
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).
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 | $35,382 | $98,766-64.2% | $149,730-76.4% | $79,852-55.7% |
| Participation rate | 59.8% | 75.8%-16.0pp | 82.5%-22.7pp | 69.6%-9.9pp |
| Annual return | 19.93% | 27.43%-7.5pp | 276.70%-256.8pp | 31.72%-11.8pp |
| Employer contribution / active EE | $478 | $3,217-85.1% | $4,645-89.7% | $2,471-80.7% |
| Participant deferral / active EE | $6,901 | $5,681+21.5% | $6,843+0.8% | $3,740+84.5% |
| Admin fee / account holder | $338 | $6,052-94.4% | $9,310-96.4% | $5,306-93.6% |