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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $72,618 |
THE BANK OF NEW YORK MELLON4 years Filed as: BANK OF AMERICA Service code 16 · EIN 13-5674085 | Consulting | $35,573 |
Employer 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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,879 | $89,225-44.1% | $136,072-63.3% | $74,459-33.0% |
| Participation rate | 79.9% | 69.4%+10.5pp | 76.4%+3.5pp | 67.2%+12.7pp |
| Annual return | -8.21% | 22.76%-31.0pp | 580.46%-588.7pp | 1369.70%-1377.9pp |
| Employer contribution / active EE | $6 | $2,816-99.8% | $4,216-99.8% | $2,626-99.8% |
| Participant deferral / active EE | $5,424 | $4,597+18.0% | $7,028-22.8% | $4,350+24.7% |
| Admin fee / account holder | $487 | $1,545-68.5% | $6,718-92.7% | $1,945-74.9% |