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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 | Advisory (Plan) | $8,399 |
PAYCHEX, INC.1 year Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $8,219 |
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).
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 | $10,366 | $27,800-62.7% | $58,561-82.3% | $71,511-85.5% |
| Participation rate | 89.3% | 34.6%+54.7pp | 50.9%+38.4pp | 67.9%+21.4pp |
| Annual return | 13.21% | 26.80%-13.6pp | 4251.33%-4238.1pp | 28.86%-15.6pp |
| Employer contribution / active EE | $680 | $632+7.6% | $1,053-35.5% | $2,589-73.7% |
| Participant deferral / active EE | $1,265 | $1,208+4.7% | $1,923-34.2% | $4,291-70.5% |
| Admin fee / account holder | $91 | $1,637-94.4% | $2,520-96.4% | $1,588-94.3% |