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| Provider | Service type | Compensation |
|---|---|---|
INTEGRITY ASSET MANAGEMENT2 years Filed as: INTEGRITY FINANCIAL Service code 26 · EIN 32-0123516 2515 WARREN AVE · CHEYENNE, WY 82001 | Advisory (Participants) | $44,176 |
PAYCHEX, INC.2 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $13,664 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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.
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 | $37,848 | $130,294-71.0% | $170,043-77.7% | $71,511-47.1% |
| Participation rate | 82.5% | 86.2%-3.7pp | 87.0%-4.5pp | 67.9%+14.5pp |
| Annual return | 20.69% | 20.36%+0.3pp | 53.40%-32.7pp | 28.86%-8.2pp |
| Employer contribution / active EE | $4,330 | $4,385-1.3% | $6,790-36.2% | $2,589+67.2% |
| Participant deferral / active EE | $8,302 | $6,928+19.8% | $10,410-20.3% | $4,291+93.5% |
| Admin fee / account holder | $334 | $966-65.4% | $12,824-97.4% | $1,588-79.0% |