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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $70,968 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 · EIN 59-1237041 | Advisory (Plan) | $28,617 |
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 | $92,867 | $49,199+88.8% | $121,210-23.4% | $75,177+23.5% |
| Participation rate | 93.4% | 55.4%+38.0pp | 69.5%+23.9pp | 67.2%+26.2pp |
| Annual return | 7.40% | 56.04%-48.6pp | 987.41%-980.0pp | 160.75%-153.4pp |
| Employer contribution / active EE | $1,695 | $1,547+9.6% | $4,171-59.4% | $2,671-36.5% |
| Participant deferral / active EE | $3,885 | $2,630+47.7% | $4,084-4.9% | $4,126-5.8% |
| Admin fee / account holder | $645 | $3,946-83.6% | $5,647-88.6% | $5,651-88.6% |