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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.1+ years Filed as: PAYCHEX INC Service code 15 · EIN 16-1124166 1175 JOHN STREET · WEST HENRIETTA, NY 14586 | Recordkeeping | $6,925 |
MID ATLANTIC CAPITAL CORPORATION1+ years Filed as: MID ATLANTIC TRUST Service code 21 | Bank Trustee | $1,338 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $318 | $168,636-99.8% | $147,618-99.8% | $125,388-99.7% |
| Participation rate | 0.0% | 88.8%-88.8pp | 84.6%-84.6pp | 83.2%-83.2pp |
| Annual return | -10.91% | 77.65%-88.6pp | 61.98%-72.9pp | 282.24%-293.2pp |
| Employer contribution / active EE | $0 | $6,252-100.0% | $5,565-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $0 | $5,507-100.0% | $4,895-100.0% | $5,352-100.0% |
| Admin fee / account holder | $1,385 | $13,580-89.8% | $11,612-88.1% | $9,541-85.5% |