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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $108 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $60,949 | $25,723+136.9% | $69,182-11.9% | $55,167+10.5% |
| Participation rate | 17.5% | 39.4%-21.9pp | 55.1%-37.6pp | 69.0%-51.4pp |
| Annual return | 8.57% | 9.56%-1.0pp | -21.93%+30.5pp | 169.23%-160.7pp |
| Employer contribution / active EE | $282 | $480-41.2% | $1,206-76.6% | $1,963-85.6% |
| Participant deferral / active EE | $438 | $963-54.6% | $1,897-76.9% | $3,054-85.7% |
| Admin fee / account holder | $45 | $365-87.6% | $2,697-98.3% | $504-91.0% |