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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC2 years Service code 15 C/O DCA YY 7123400174 · NASHVILLE, TN 37238 | Recordkeeping | $14,463 |
PAYCHEX, INC.6+ years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $7,384 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,026 | $66,124-13.8% | $90,440-36.9% | $73,493-22.4% |
| Participation rate | 45.5% | 69.7%-24.2pp | 72.7%-27.2pp | 70.7%-25.2pp |
| Annual return | 22.88% | 17.65%+5.2pp | 1294.38%-1271.5pp | 28.51%-5.6pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,263-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,719 | $3,039-10.5% | $3,964-31.4% | $3,740-27.3% |
| Admin fee / account holder | $316 | $396-20.2% | $5,615-94.4% | $513-38.4% |