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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) | $11,618 |
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.
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 | $23,850 | $61,356-61.1% | $149,696-84.1% | $71,511-66.6% |
| Participation rate | 39.6% | 62.5%-22.9pp | 78.8%-39.2pp | 67.9%-28.3pp |
| Annual return | 13.79% | 35.86%-22.1pp | 134.46%-120.7pp | 28.86%-15.1pp |
| Employer contribution / active EE | $309 | $2,382-87.0% | $4,821-93.6% | $2,589-88.1% |
| Participant deferral / active EE | $2,477 | $2,920-15.2% | $5,682-56.4% | $4,291-42.3% |
| Admin fee / account holder | $104 | $1,263-91.7% | $13,212-99.2% | $1,588-93.4% |