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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $172,670 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 · EIN 59-1237041 | Advisory (Plan) | $34,371 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $110,289 | $56,431+95.4% | $130,788-15.7% | $87,485+26.1% |
| Participation rate | 94.8% | 58.9%+35.8pp | 70.1%+24.7pp | 68.9%+25.9pp |
| Annual return | 9.20% | 91.27%-82.1pp | 386.44%-377.2pp | 26.06%-16.9pp |
| Employer contribution / active EE | $1,746 | $1,549+12.7% | $3,558-50.9% | $2,596-32.7% |
| Participant deferral / active EE | $4,257 | $2,749+54.8% | $4,137+2.9% | $4,274-0.4% |
| Admin fee / account holder | $757 | $4,433-82.9% | $6,673-88.7% | $7,775-90.3% |