Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $636 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $26,627 | $55,636-52.1% | $81,988-67.5% | $73,493-63.8% |
| Participation rate | 28.0% | 62.3%-34.3pp | 69.3%-41.3pp | 70.7%-42.7pp |
| Annual return | 3.26% | 19.07%-15.8pp | 41.31%-38.0pp | 28.51%-25.3pp |
| Employer contribution / active EE | $538 | $1,625-66.9% | $2,498-78.5% | $2,270-76.3% |
| Participant deferral / active EE | $992 | $2,762-64.1% | $3,722-73.3% | $3,740-73.5% |
| Admin fee / account holder | $481 | $493-2.5% | $5,665-91.5% | $513-6.3% |