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| Provider | Service type | Compensation |
|---|---|---|
CADARET GRANT & CO INC1 year Filed as: CADARET, GRANT & CO, INC Service code 15 · EIN 22-2361254 ONE LINCOLN CENTER · SYRACUSE, NY 13202 | Recordkeeping | $16,570 |
NATIONWIDE1 year Filed as: NATIONWIDE LIFE INSURANCE Service code 15 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Recordkeeping | $10,597 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $32,065 | $66,650-51.9% | $92,915-65.5% | $67,582-52.6% |
| Participation rate | 27.4% | 72.5%-45.1pp | 76.0%-48.6pp | 71.3%-43.9pp |
| Annual return | 27.34% | 92.64%-65.3pp | 109.45%-82.1pp | 378.57%-351.2pp |
| Employer contribution / active EE | $576 | $2,777-79.3% | $3,653-84.2% | $2,148-73.2% |
| Participant deferral / active EE | $822 | $3,160-74.0% | $4,238-80.6% | $3,539-76.8% |
| Admin fee / account holder | $384 | $199+92.7% | $5,796-93.4% | $142+169.6% |