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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 880 CARILLON PKWY · ST. PETERSBURG, FL 33716 | Advisory (Plan) | $18,269 |
AMERICAN FUNDS1 year Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $7,802 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $43,082 | $55,446-22.3% | $155,574-72.3% | $74,429-42.1% |
| Participation rate | 28.7% | 61.9%-33.2pp | 78.2%-49.5pp | 67.2%-38.5pp |
| Annual return | 10.46% | 269.20%-258.7pp | 64.87%-54.4pp | 1368.38%-1357.9pp |
| Employer contribution / active EE | $189 | $2,266-91.6% | $4,676-96.0% | $2,625-92.8% |
| Participant deferral / active EE | $2,117 | $2,836-25.3% | $5,629-62.4% | $4,348-51.3% |
| Admin fee / account holder | $493 | $1,743-71.7% | $15,914-96.9% | $1,944-74.6% |