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| Provider | Service type | Compensation |
|---|---|---|
SYMPHONY FINANCIAL SERVICES1+ years Filed as: SYMPHONY-FINANCIAL SERVICES, INC. Service code 27 529 N. CLEVELAND MASSILLON RD · AKRON, OH 44333 | Advisory (Plan) | $56,087 |
DAILYACCESS CORPORATION1+ years Service code 15 · EIN 63-1156117 | Recordkeeping | $22,071 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,534 | $70,002-53.5% | $115,038-71.7% | $52,331-37.8% |
| Participation rate | 70.7% | 72.1%-1.5pp | 81.4%-10.7pp | 68.1%+2.5pp |
| Annual return | -1.50% | 4.04%-5.5pp | 26.14%-27.6pp | 4.54%-6.0pp |
| Employer contribution / active EE | $963 | $2,715-64.5% | $4,608-79.1% | $1,882-48.8% |
| Participant deferral / active EE | $2,700 | $4,920-45.1% | $6,026-55.2% | $3,022-10.6% |
| Admin fee / account holder | $449 | $566-20.6% | $8,175-94.5% | $592-24.1% |