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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 | Advisory (Plan) | $14,137 |
PAYCHEX, INC.10+ years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $12,157 |
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).
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 | $5,259 | $54,213-90.3% | $93,696-94.4% | $77,736-93.2% |
| Participation rate | 94.5% | 64.0%+30.5pp | 68.7%+25.8pp | 70.6%+23.9pp |
| Annual return | 13.48% | 30.55%-17.1pp | 133.74%-120.3pp | 31.26%-17.8pp |
| Employer contribution / active EE | $429 | $1,168-63.2% | $2,422-82.3% | $2,728-84.3% |
| Participant deferral / active EE | $1,127 | $3,145-64.2% | $4,417-74.5% | $4,651-75.8% |
| Admin fee / account holder | $34 | $575-94.1% | $8,287-99.6% | $433-92.2% |