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| Provider | Service type | Compensation |
|---|---|---|
LEGACY PROFESSIONALS LLP2 years Filed as: LEGACY CAPITAL MANAGEMENT Service code 26 2795 EAST BIDWELL · FOLSOM, CA 95630 | Advisory (Participants) | $34,780 |
PAYCHEX, INC.2 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $22,112 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,701 | $106,749-33.8% | $145,433-51.4% | $82,448-14.2% |
| Participation rate | 96.6% | 75.6%+20.9pp | 82.1%+14.4pp | 68.1%+28.5pp |
| Annual return | 16.50% | 27.59%-11.1pp | 66.58%-50.1pp | 41.64%-25.1pp |
| Employer contribution / active EE | $4,634 | $3,444+34.5% | $4,554+1.7% | $2,551+81.7% |
| Participant deferral / active EE | $11,316 | $6,519+73.6% | $7,897+43.3% | $4,139+173.4% |
| Admin fee / account holder | $530 | $8,390-93.7% | $13,129-96.0% | $7,234-92.7% |