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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $527 |
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.
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).
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 | $8,876 | $51,288-82.7% | $81,982-89.2% | $73,412-87.9% |
| Participation rate | 12.1% | 64.0%-51.9pp | 69.3%-57.2pp | 72.2%-60.1pp |
| Annual return | 47.27% | 29.48%+17.8pp | 41.31%+6.0pp | 59.30%-12.0pp |
| Employer contribution / active EE | $0 | $1,487-100.0% | $2,498-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $432 | $2,715-84.1% | $3,722-88.4% | $3,806-88.7% |
| Admin fee / account holder | $149 | $125+19.2% | $5,665-97.4% | $158-5.4% |