Filed May 27, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ROYAL ALLIANCE ASSOCIATES Service code 15 · EIN 93-0987232 10 EXCHANGE PLACE-SUITE 1410 · JERSEY CITY, NJ 07302 | Recordkeeping | $19,345 |
PAYCHEX, INC.5 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $13,706 |
OSAIC WEALTH INC1 year Filed as: OSAIC WEALTH, INC. Service code 15 · EIN 93-0987232 10 EXCHANGE PLACE · JERSEY CITY, NJ 07302 | Recordkeeping | $6,782 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
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 | $64,761 | $54,717+18.4% | $86,209-24.9% | $71,495-9.4% |
| Participation rate | 69.3% | 60.1%+9.2pp | 69.0%+0.4pp | 67.9%+1.4pp |
| Annual return | 19.38% | 20.07%-0.7pp | 1169.05%-1149.7pp | 28.85%-9.5pp |
| Employer contribution / active EE | $824 | $1,267-35.0% | $2,381-65.4% | $2,589-68.2% |
| Participant deferral / active EE | $3,247 | $3,110+4.4% | $3,986-18.5% | $4,291-24.3% |
| Admin fee / account holder | $237 | $1,922-87.6% | $6,853-96.5% | $1,588-85.0% |