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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.1+ years Service code 15 · EIN 16-1124166 | Recordkeeping | $1,109 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $43,199 | $43,550-0.8% | $63,244-31.7% | $52,331-17.4% |
| Participation rate | 25.4% | 65.7%-40.3pp | 71.0%-45.7pp | 68.1%-42.7pp |
| Annual return | 7.14% | 2.03%+5.1pp | -70.31%+77.4pp | 4.54%+2.6pp |
| Employer contribution / active EE | $723 | $1,351-46.5% | $2,322-68.9% | $1,882-61.6% |
| Participant deferral / active EE | $1,291 | $2,254-42.7% | $2,953-56.3% | $3,022-57.3% |
| Admin fee / account holder | $35 | $387-91.1% | $5,893-99.4% | $592-94.2% |