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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $100,600 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 · EIN 59-1237041 | Advisory (Plan) | $53,247 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $72,654 | $53,165+36.7% | $86,216-15.7% | $74,460-2.4% |
| Participation rate | 21.3% | 64.9%-43.5pp | 69.0%-47.7pp | 70.7%-49.4pp |
| Annual return | 8.48% | 22.64%-14.2pp | 1169.42%-1160.9pp | 34.38%-25.9pp |
| Employer contribution / active EE | $1,909 | $1,210+57.7% | $2,382-19.9% | $2,638-27.7% |
| Participant deferral / active EE | $2,497 | $3,234-22.8% | $3,986-37.4% | $4,530-44.9% |
| Admin fee / account holder | $417 | $551-24.3% | $6,853-93.9% | $348+20.0% |