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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.7 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $23,667 |
GOLDMAN SACHS5 years Filed as: CLEARWATER CAPITAL PARTNERS Service code 26 · EIN 82-1356798 2800 W HIGGINS RD, STE 1025 · HOFFMAN ESTATES, IL 60169 | Advisory (Participants) | $23,637 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,341 | $78,529-38.4% | $105,591-54.2% | $74,400-35.0% |
| Participation rate | 56.7% | 72.8%-16.1pp | 75.3%-18.6pp | 67.2%-10.5pp |
| Annual return | 10.65% | 15.94%-5.3pp | 116.43%-105.8pp | 1367.51%-1356.9pp |
| Employer contribution / active EE | $1,117 | $2,522-55.7% | $3,166-64.7% | $2,624-57.4% |
| Participant deferral / active EE | $2,214 | $4,321-48.8% | $5,008-55.8% | $4,348-49.1% |
| Admin fee / account holder | $325 | $2,216-85.3% | $11,024-97.0% | $1,944-83.3% |