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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.4 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $29,537 |
Filed as: FERMATA 401K, LLC Service code 26 · EIN 93-3957830 539 BROADWAY, SUITE A · SONOMA, CA 95476 | Advisory (Participants) | $22,347 |
401K GENERATION3 years Service code 13 · EIN 26-4477125 237 S. WESTMONTE AVE · ALTAMONTE SPRINGS, FL 32714 | Contract Administrator | $12,702 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,227 | $50,902-52.4% | $155,534-84.4% | $77,736-68.8% |
| Participation rate | 37.9% | 63.1%-25.2pp | 78.2%-40.3pp | 70.6%-32.6pp |
| Annual return | 18.37% | 34.85%-16.5pp | 64.92%-46.6pp | 31.26%-12.9pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,101 | $2,824-25.6% | $5,630-62.7% | $4,651-54.8% |
| Admin fee / account holder | $328 | $437-25.0% | $15,900-97.9% | $433-24.4% |