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| Provider | Service type | Compensation |
|---|---|---|
Filed as: GLOBAL RETIREMENT PARTNERS Service code 26 · EIN 04-3046611 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Participants) | $24,699 |
PAYCHEX, INC.8 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $23,646 |
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).
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 | $36,830 | $54,245-32.1% | $93,727-60.7% | $77,762-52.6% |
| Participation rate | 26.9% | 63.9%-37.0pp | 68.7%-41.8pp | 70.6%-43.6pp |
| Annual return | 11.83% | 30.58%-18.7pp | 133.83%-122.0pp | 31.27%-19.4pp |
| Employer contribution / active EE | $0 | $1,168-100.0% | $2,421-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,043 | $3,144-35.0% | $4,417-53.7% | $4,651-56.1% |
| Admin fee / account holder | $319 | $575-44.6% | $8,292-96.2% | $433-26.3% |