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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FERMATA 401K, LLC Service code 26 · EIN 93-3957830 539 BROADWAY, SUITE A · SONOMA, CA 95476 | Advisory (Participants) | $21,034 |
PAYCHEX, INC.3 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $10,312 |
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 | $45,316 | $101,653-55.4% | $147,080-69.2% | $74,459-39.1% |
| Participation rate | 64.9% | 75.6%-10.7pp | 82.2%-17.3pp | 67.2%-2.3pp |
| Annual return | 15.62% | 8754.98%-8739.4pp | 420.17%-404.5pp | 1369.70%-1354.1pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $5,827 | $7,304-20.2% | $8,066-27.8% | $4,350+34.0% |
| Admin fee / account holder | $332 | $1,752-81.0% | $12,989-97.4% | $1,945-82.9% |