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| Provider | Service type | Compensation |
|---|---|---|
LEGACY PROFESSIONALS LLP1 year Filed as: LEGACY CAPITAL MANAGEMENT Service code 26 2795 EAST BIDWELL · FOLSOM, CA 95630 | Advisory (Participants) | $30,769 |
PAYCHEX, INC.1 year Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $20,009 |
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.
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 | $51,399 | $102,385-49.8% | $147,080-65.1% | $80,935-36.5% |
| Participation rate | 98.8% | 75.9%+22.9pp | 82.2%+16.6pp | 67.7%+31.1pp |
| Annual return | 14.68% | 135.09%-120.4pp | 420.17%-405.5pp | 35.66%-21.0pp |
| Employer contribution / active EE | $4,221 | $3,717+13.6% | $4,933-14.4% | $2,757+53.1% |
| Participant deferral / active EE | $9,126 | $6,651+37.2% | $8,066+13.1% | $4,299+112.3% |
| Admin fee / account holder | $452 | $7,951-94.3% | $12,989-96.5% | $6,924-93.5% |