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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 | $102,393-94.7% | $147,041-96.3% | $80,911-93.3% |
| Participation rate | 96.4% | 75.9%+20.5pp | 82.2%+14.2pp | 67.6%+28.7pp |
| Annual return | 10.64% | 134.95%-124.3pp | 419.21%-408.6pp | 35.63%-25.0pp |
| Employer contribution / active EE | $1,462 | $3,715-60.7% | $4,935-70.4% | $2,756-47.0% |
| Participant deferral / active EE | $3,455 | $6,647-48.0% | $8,071-57.2% | $4,297-19.6% |
| Admin fee / account holder | $60 | $7,943-99.2% | $13,006-99.5% | $6,935-99.1% |