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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $74,115 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 · EIN 59-1237041 | Advisory (Plan) | $27,446 |
Filed as: RAYMOND JAMES INSURANCE GROUP INC Service code 49 · EIN 59-1199408 | Other Services | $15,080 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,580 | $46,697+83.3% | $117,529-27.2% | $68,490+25.0% |
| Participation rate | 90.5% | 56.8%+33.7pp | 70.6%+19.9pp | 67.9%+22.6pp |
| Annual return | -12.16% | -14.52%+2.4pp | 29.77%-41.9pp | -7.85%-4.3pp |
| Employer contribution / active EE | $1,578 | $1,506+4.8% | $4,179-62.2% | $2,597-39.2% |
| Participant deferral / active EE | $4,017 | $2,637+52.3% | $4,072-1.4% | $4,028-0.3% |
| Admin fee / account holder | $662 | $4,023-83.5% | $5,645-88.3% | $5,403-87.8% |