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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.1 year Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $6,571 |
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.
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 | $45,399 | $44,873+1.2% | $79,476-42.9% | $56,287-19.3% |
| Participation rate | 32.2% | 68.7%-36.5pp | 73.3%-41.1pp | 69.9%-37.6pp |
| Annual return | -9.42% | 0.81%-10.2pp | 718.21%-727.6pp | -9.96%+0.5pp |
| Employer contribution / active EE | $251 | $2,140-88.3% | $2,800-91.0% | $2,111-88.1% |
| Participant deferral / active EE | $2,016 | $2,746-26.6% | $3,704-45.6% | $3,350-39.8% |
| Admin fee / account holder | $351 | $418-16.2% | $5,113-93.1% | $521-32.7% |