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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES FSA 338 FEE Service code 26 | Advisory (Participants) | $8,923 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $366 |
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.)
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,613 | $73,638-29.9% | $95,960-46.2% | $73,493-29.8% |
| Participation rate | 30.2% | 76.2%-46.0pp | 77.1%-46.9pp | 70.7%-40.5pp |
| Annual return | 11.41% | 16.78%-5.4pp | 91.63%-80.2pp | 28.51%-17.1pp |
| Employer contribution / active EE | $539 | $1,863-71.1% | $2,541-78.8% | $2,270-76.3% |
| Participant deferral / active EE | $922 | $3,617-74.5% | $4,167-77.9% | $3,740-75.4% |
| Admin fee / account holder | $490 | $482+1.6% | $6,797-92.8% | $513-4.6% |