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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.1+ years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $5,851 |
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,410 | $102,385-94.7% | $147,080-96.3% | $80,935-93.3% |
| Participation rate | 96.4% | 75.9%+20.5pp | 82.2%+14.2pp | 67.7%+28.7pp |
| Annual return | 10.64% | 135.09%-124.5pp | 420.17%-409.5pp | 35.66%-25.0pp |
| Employer contribution / active EE | $1,462 | $3,717-60.7% | $4,933-70.4% | $2,757-47.0% |
| Participant deferral / active EE | $3,455 | $6,651-48.0% | $8,066-57.2% | $4,299-19.6% |
| Admin fee / account holder | $60 | $7,951-99.2% | $12,989-99.5% | $6,924-99.1% |